There is already a lot of premium pain and it is likely to get much, much worse. So what to do? Be pro-active, be discerning and be vocal.

Insurance is complex, but the right advice can make it simple and sensible.

A professional adviser has a lot to consider when acting for a client. It is not always apparent what the right course of action is.

Whether life insurance is a luxury or a non-negotiable, think about what you truly need and try to neither over-do-it or under-do-it.