From underqualified and underperforming to understanding

Times, they are a-changing. Mortgage applications are at their lowest level for five years, unemployment is on the up, and the protection gap remains, for the fifth consecutive year, at £2.3 trillion. Whether the gap is actually £1, £2 or £3 trillion doesn't really matter, it is a very big number which, for the entire financial services industry, is both an indictment of past failures and points to one of the biggest opportunities we have. Unlike the pensions gap peoples individual protection gaps are more easily solved and at a much lower cost, if only we knew how. There is great int...