Three assumptions keeping the protection gap alive
'Regular reviews will still play an important role, but clients' lives do not follow a servicing calendar'
Will join in September from Standard Life and replaces Emma Douglas
The bottom line for boards
'In a market dominated by a single narrative, looking beyond today's leaders is not a contrarian stance'
'The current system can unintentionally create a false sense of reassurance'
'The scrutiny of the sector is to be welcomed'
'What is important is what happens over the long term'