Golden opportunities

It has long been perceived in the financial services world that while the silver market may have presented golden opportunities for pensions and investments, the opposite applied to protection. It was assumed that by this age individuals had either already taken action to address protection needs or those needs would be reducing. They would have also paid off their mortgages and only have very low levels of residual debt outstanding. Their children would have left home too and contributed to these declining needs. While this may be true for some of this sector, for others today's lifesty...