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

Guardian launches two critical illness products

Guardian launches two critical illness products

Focus on cost and quality

Cameron Roberts
clock 08 June 2026 • 2 min read
Kevin Carr on AI: I don't think we've even seen the tip of the iceberg

Kevin Carr on AI: I don't think we've even seen the tip of the iceberg

'The technology is evolving faster than many of us can imagine'

Kevin Carr
clock 13 May 2026 • 4 min read
Life insurance: Complexity vs cost and the confidence gap

Life insurance: Complexity vs cost and the confidence gap

Complexity and uncertainty create frustration for consumers and operational drag for advisers

Kevin Carr
clock 30 April 2026 • 4 min read