Working in harmony

Critical self-reflection has been one of the catalysts for positive change in the life industry in recent years and should remain so in the future as the sector faces major challenges. There is a risk, however, that if the industry's successes are not reflected upon and communicated, this could contribute to a negative perception of protection in some key areas. Life premiums, having halved in cost over the last 10 years, currently offer excellent value to the customer. Affordable guaranteed critical illness (CI) rates are now available from most protection offices and increasing intere...