Much ado about nothing

While clearing my desk the other day I flicked through a couple of issues of COVER published 10 years ago. It made me realise how little the industry has changed. Sure, the sector has updated its critical illness (CI) definitions, tried to clamp down on non-disclosure and has launched products more suited to customers' needs, but the majority of issues the sector faced a decade ago still remain. Income protection, the product praised by many experts as the key cover to have, is still largely undersold; protection is still very much sold rather than bought and more than justifiable CI clai...