Economic conditions are tough with people spending more than they earn each month. So it must be nigh on impossible to persuade clients to buy protection. They think protection insurance is expensive don't they?
Guest blogger Edmund Tirbutt feels that the individual protection field is like a rudderless ship which is sailing horribly close to the rocks, and is woefully lacking in any meaningful industry-wide leadership.
Packed shops in the January sales prove that people still love a bargain despite the supposed age of austerity that we are living through at the moment.