Scottish Widows

Will pay claims from birth

Retirement market is 'too fragmented'

Also looking to cut exit charges on individual pensions

'No impact on staff or customers'

Missed help in income protection policies highlighted

Adviser early warning system among changes reviewed

Provider to launch range of life and CI plans

Toby Strauss, the chief executive of Scottish Widows, is to exit the group after four years.

How many consumers know - or would believe anyway - that the financial benefits of regulated advice can more than offset its cost? Robert Cochran examines some of the key issues surrounding the 'advice gap'...