From under qualified and underperforming to understanding

Times, they are a-changing. Mortgage applications are at their lowest level for five years, unemployment is on the up, yet the protection gap remains, for the fifth consecutive year, at £2.3trn. Whether the gap is actually £1, £2 or £3trn does not really matter 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, people’s individual protection gaps are easily solved and at a much lower cost, if only we knew how. There is great interest in every new development in our industry...