Cautiously optimistic

When examining the previous year in the term assurance (TA) market, one could feel as though they were Marcel Proust, taking a mouthful of madeleine cake dipped in tea, causing memories to flood back of a better, happier time. That is not to say the last 12 months have been a nightmare for the industry, it just has not been an overly positive period either. Dean Mason, principal of Masons Financial Planning, typifies the feeling throughout the sector with his cautious optimism. And while TA is predominantly governed by the performance of the mortgage market as buyers take on polici...