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Whilst stock market conditions may have improved recently, the rationale underpinning our view that we have entered a lower return world remains as relevant as ever. With Asia established as the world's low cost producer, companies are getting used to...

Scottish Widows offers a range of protection options for your clients - with Terminal Illness cover automatically included with all life insurance. Our plans offer protection suitable for mortgages, loans, businesses and key person cover.

Increased awareness, but little consensus

The world of pensions has never been so complex. When you need technical help, whether it's just checking facts or looking for in-depth analysis....who can you look to?

The business protection market offers untold opportunities for IFAs, says Heather Armstrong

As the world entered the new millennium, we were all braced for the Y2K problem.

It's changing times for the critical illness market - undoubtedly the most significant since this product was launched. The changes are being driven by advances in medical science and the claims experience of providers. Ultimately, the prevailing trends...

A lot has been made of technology and the impact it can have on our working lives. In today's tough market conditions and decreasing margins, everyone in the financial services industry is trying to find new ways to improve operational efficiency.

One of the key drivers behind the current boom in the protection market is the significant sea change that has affected the mortgage market in recent years - the move away from endowment mortgages to alternative product shapes.

With-profits is currently in the spotlight. The FSA and the Sandler committee are reviewing it. The Consumers Association has been slamming it for some time. Some of the national press have picked up on the issues and are publishing a steady stream of...