Ready, steady, GIO

Sir Elton John and David Furnish made history - and hit the headlines - when they were among the first gay couples in England and Wales to register a civil partnership. Their lavish celebration following the ceremony at Windsor's Guildhall stopped traffic in the area but it is unlikely the happy couple stopped during their big day to think about guaranteed insurability options - GIOs in industry shorthand. They certainly should have done but they are, of course, not alone in failing to pay as much attention to GIOs as they should. It is unfortunately all too often the case that indepe...