Term assurance - In terminal decline?

Life assurance is about as simple as it gets in the insurance world, but even here the market has become polarised. As the most commoditised of all protection products it has been, understandably, the first one to face any real challenge from internet aggregators and other direct-to-customer propositions. In response to this, providers are starting to develop separate strategies for their direct and IFA-based offering. But some have noted that even in this, the simplest of protection worlds, clients are becoming confused and disillusioned with some of these approaches, potentially turnin...