You think we've got it bad?

clock

The US government and benefits' systems is in need of serious reform. But how far has this situation gone? Paul Robertson talks to David John to find out.

The United States is often thought of being something of a laggard when it comes to state benefits, and therefore a paradise for health and protection insurers. Yet it turns out that the truth is that the US system has a wealth of benefits, though many are in dire need of reform and PMI insurers have similar difficulties to their European colleagues. In the UK as a guest of Friends Provident, David John, a quiet, thoughtful man, is senior research fellow at The Heritage Foundation, a well known Washington think tank. A former adviser to Senator John McCain, he provides regular advice to ...

To continue reading this article...

Join Professional Adviser for free

  • Unlimited access to real-time news, industry insights and market intelligence
  • Stay ahead of the curve with spotlights on emerging trends and technologies
  • Receive breaking news stories straight to your inbox in the daily newsletters
  • Make smart business decisions with the latest developments in regulation, investing retirement and protection
  • Members-only access to the editor’s weekly Friday commentary
  • Be the first to hear about our events and awards programmes

Join

 

Already a Professional Adviser member?

Login

More on Protection

Protection advisers under 30 report worries about AI use in claims

Protection advisers under 30 report worries about AI use in claims

More concerned about AI used in claims than underwriting

Jaskeet Briah
clock 30 March 2026 • 2 min read
Where next for protection underwriting and customer service?

Where next for protection underwriting and customer service?

Vital that clients are kept informed

Naomi Greatorex
clock 25 March 2026 • 3 min read
What the protection market study findings mean for advisers

What the protection market study findings mean for advisers

'There are some issues the FCA would like to tackle'

Sandy McGregor
clock 17 March 2026 • 5 min read