Shape of the industry to come

Depolarisation will lead to many changes within the industry, but exactly what these will be is, quite frankly, is still anybody's guess, says industry officials. What is clear, however, is that IFAs themselves are having to consider which route to take out of the position they have now been placed in, both in order to further their own careers, and, in more than a few cases, to make sure that they retain some sort of financially rewarding advisory role at all. This is the crux of the issue says Life Insurance Association (LIA) spokesman John Ellis. "Industry costs are the real nub o...