The party man

Having spent the majority of his working life in reinsurance, it is fair to say that Bob Ratcliff knows a fair bit about the insurance industry. He is European life and health claims leader at GE Insurance Solutions, chairman of the Association of British Insurers' (ABI) income protection (IP) working party and is very passionate about the IP market. "Market penetration shows that about 15% of the working population of this country is covered by group or individual income protection. That is not enough," he says. Protection gap Ratcliff says that the majority of claims in 1985 were fo...