Minority report

As the late, great godfather of soul once sang "this is a man's world" - normally, I would not agree; for one, my wife would kill me, however, in the case of income protection (IP) he could not be more correct. In the industry, however, it is more a case of being a young, non-smoking male in a low-risk occupation's world. The industry has long since been blowing the "IP for all" trumpet. But, how easy is this to achieve? Within the protection community, it is widely acknowledged that, if you fall into the category of a "preferred life", it is generally straightforward to obtain comprehens...