'I would argue this is a perfect example of an efficiency gap'
One-third see cost of doing business as biggest challenge
Knowledge of both sides ‘makes a massive difference’
‘It is crucial to engage wealth advisers who have withdrawn from protection post-RDR’
Protection needs during different life stages
Single policies typically offer greater value and more flexibility
These aren't products that sell themselves
'No one wakes up in the morning thinking about buying life insurance'
Why are more IHT liabilities for gifts not being protected?