Golden opportunity

If someone was to ask where the opportunities to generate more protection business and to grow the market currently lie, what would the answer be? Pensions term has come and gone, and all we have to show for it is lots of wasted effort and huge costs that will take many years from which to recover. The abolition of the age-70 rule will allow whole of life plans with no surrender value to be sold under the Insurance Conduct of Business (ICOB) rules. But there will not be huge amounts of new term business sold beyond age 70 as a result of these changes, and we should not assume that advisers...