Russell Hutchinson asks whether service levels should be a a factor in selecting which life insurers an advisers should use; and offers an interesting suggestion.

Russell Hutchinson says there are six keys to good insurance and, in his opinion, they aren’t all about product.

Russell Hutchinson looks at life policies sold by banks and explains five reasons why adviser-sold products are better.

There are some practical things that can be done in an insurance review which often aren’t – I think they should happen more often.

Russell Hutchinson looks at the question whether to take New to Business Cover as an alternative to Business Overheads cover.

The biggest category of complaints in the claims area relates to non-disclosure.

During a road-show last year I had several advisers report to me claims they had discovered through their work with a client. If you are a struggling new adviser, hungry for a sale, a discovered claim can be a bittersweet moment. But the experience has real value and keeps on paying dividends.

Russell Hutchinson sings the praises of advisers, and also warns to be wary when insurers don't disclose their documents.

Russell Hutchinson looks at the times when an insurance adviser could consider charging clients fees rather taking commission.

I was astonished to hear from a supermarket purchasing guru I know that often supermarkets sell well-known brands at a loss, for a period, for a special offer, or with a coupon, or just so they can put it on a billboard for a month.

It’s always been fashionable to knock insurance, to say it’s too complicated, too hard to get, and too hard to understand. It also seems to have become cool to talk about getting rid of your insurance – as much a mark of financial success as getting rid of your home loan.

Commission paid for policies sold is the dominant remuneration paradigm for the industry at present. It will probably continue to be so for some time to come.

Special events increase in cover options are an underused tool – virtually every life company offers them, and yet there simply isn’t enough use being made of them.

Russell Hutchinson wonders what the ideal medical insurance product would look like, and whether we are close to having it.

Advisers selling life insurance aren't just sales people, they also have a job translating the policy documents into language clients can understand.