The evolution of health insurance is likely to continue, characterised by an increasingly international scope and scientific considerations. Ron Buchan gives his insights

The proposed NHS reforms still pose too many questions for many people. Dominic Howard analyses pressures within the health service that need to be taken seriously

Despite last month's significant price movements in US treasuries, yields are still below the levels seen at the end of last year.

I advise on PMI schemes for small groups. With many members in their 60s, what do I need to consider as they approach retirement?

According to research reported in last month's COVER, many IFAs have poor protection market knowledge. Do you agree and what should be done about it? Do we need a dedicated protection exam?

The practice of offering the holding insurer final refusal on group risk renewals is commonplace throughout the sector. But, John Ritchie asks, is it harming you and your clients' business?

The long-term care market effectively disappeared in the early 1990s. But is it about to re-open and how should IFAs approach it? Stephanie Spicer reports

If you're an expat worker living abroad, what would happen if your parent fell ill back home? Greg Becker looks at an Indian innovation

A quite common and relatively benign condition often seen on insurance applications, Paul Gyseman discusses the insurability factors and the pathophysiology of this illness

In video two of three, NHFA chief executive Nick Tyler discusses long term care.