Protection

This might sound like a bit of a rant - but after losing any opportunity I thought I had to become a future shareholder at Liverpool Football Club now's as good a time as any.

Conversations about reducing the risk of non-disclosure in protection applications usually focus on the need for insurers to improve their application forms and the propensity of consumers to lie in order to get cover.

Having finally woken up to the fact I live in a single-income household with one adult, one junior dependent and a third on the way it has become necessary to cast around for some income protection.

Norwich Union has added a protection zone to its 'Make sense of it' consumer website, which provides information about life and pension products for consumers.

The Income Protection Taskforce has revealed the heads of four working groups, which have been formed to tackle its nine-point plan for reviving the income protection market.

Buying protection insurance through a financial adviser does not reduce the risk of claims being declined by insurers, according to research from Prudential.

The British Insurance Brokers' Association says it is launching a series of payment protection insurance products with enhanced benefits and improved commissions to boost intermediary and consumer confidence in the market.

There are rumours in the protection industry the Treasury may reach a middle ground on pension term assurance and allow a watered-down version of the product to continue.

So, having had two perfectly fine goals disallowed last weekend, Sir Alex Ferguson says he would like to see video technology introduced to help referees make the right decisions in football matches.

Prudential is carrying out 100 training sessions over the next three months in what it describes as a "more aggressive" strategy to encourage advisers to recommend its flexible protection plan.