I guess that there are a whole bunch of AMP-aligned advisers out there breathing a huge sigh of relief after the takeover/merger with AXA.  I've made no secret of my strong dislike of AMP's Income Protection product, and given that the AMP guys and ladies now have easy access to AXA's much better product, they must be much happier about being able to do a better job for their clients.

The ‘noble professions' of law and accountancy have issues with charging clients and an hourly rate should not be seen as a panacea for professional standards, argues Peter Johnston.

I am staggered that One Path got away with their recent change when they changed the product to require any new medical cover to be an add on benefit to another product.  To buy a new One Path medical cover, it must be attached to Life, TPD, Trauma or Income Protection cover.  I expected to hear howls of outrage from advisers.

Changes to the wording make it easier to issue policies, but advisers should be careful about proof of income.

With the competitive pressure on insurers these days, there can be no justification for an insurer to not have a Disability Waiver of Premium benefit in offering.

As an analyst of life and health insurance products, I am occasionally asked to comment on the "stepped versus level premium" debate.

In this article we take a look at some of the benefits of using independent product analysis.

Income protection insurance is an interesting financial tool, but of all life and health insurance products, it is the most misunderstood by customers and insurance industry people alike. Here are 11 traps for the unwary: