Armchair Critic: This is the best collective effort in protection I've seen

Financial planning textbooks tell us protection comes first; sales figures tell us it doesn't. In fact, protection sales are getting worse. We can't quite blame regulation. The RDR left protection pretty much untouched, though the general shift from transaction or product-based advisory practices to relationship models does tend to mean that investment-related services attract most of the interest. Take income protection (IP) as an example. Less than 10% of the UK population have it. That is absurd. Of the other 90%, maybe 10% might not need it; they might have private wealth, a se...