Ruth, 26, is a magazine designer living in London. Although in good health, she suffered from ME for two years in her teens, and contracted malaria while on a gap trip around the world. While she is generally in good health, her ME flared up slightly...

With the EU Gender Directive now UK law and more changes anticipated, Nick Starling explores the potential impact of anti-age discrimination legislation on health and protection insurance.

Complementary to PMI, cash plans can help through hard times, Peter Lauris tell Peter Carvill.

Companies can get ahead in the recession by investing money in a marketing plan. Justin Rees explains how lead-generation spend should be analysed.

In the first of a series John Woodford offers a guide to the elements going into the pricing of protection products.

As the recession bites, sales of protection products may fall and claims may increase. Ann-Marie Dec and Jill Harvey ask if talking to customers is the solution.

The FOS reflects on outcomes of ABI guidance

Is past claims performance a guide to the future or will the FOS work on transparency be valuable to the industry? Gill Salton asks.

The FSA has published its RDR feedback statement. Will distinguishing between independent and sales advice, setting minimum qualifications for IFAs and introducing a standard for independent advice ‘reform the investment market' and increase confidence...

Last month's COVER Focus on income protection (IP) mentioned October's introduction of Employment and Support Allowance (ESA) as a prompt to the public to realise how little state support they would get if they were too ill to work.