The next 12 months will remain challenging for intermediaries, but there are reasons to be cheerful. The recovery in both the UK economy and housing market finally appear to be gaining strength, while certain regulatory changes may also create fresh opportunities to grow protection business. Complete Report With TOC At : http://www.researchmoz.us/life-and-protection-intermediary-focus-uk-october-2013-report.html

1. Life and Protection - Intermediary Focus - UK - October 2013
The next 12 months will remain challenging for intermediaries, but there are reasons to be cheerful. The
recovery in both the UK economy and housing market finally appear to be gaining strength, while certain
regulatory changes may also create fresh opportunities to grow protection business.
table Of Content
introduction
market Definitions
new Intermediary Classifications
abbreviations
executive Summary
the Market
adviser Population Stabilises
figure 1: Number Of Directly Authorised Retail Intermediary Firms, 2006-13
adviser Share Of Term Assurance Business
figure 2: Share Of New Term Assurance Premiums, By Product Type And Distribution Channel, 2013 H1
adviser Share Of Whole-of-life Assurance Business
figure 3: Share Of New Whole-of-life Premiums, By Product Type And Distribution Channel, 2013 H1
adviser Share Of Critical Illness Business
figure 4: Share Of New Critical Illness Premiums, By Product Type And Distribution Channel, 2013 H1
adviser Share Of Income Protection Business
figure 5: Share Of New Income Protection Premiums, By Product Type And Distribution Channel, 2013 H1
market Factors
advisers Under Increased Regulatory Pressure
but Opportunities Await
demand Drivers
companies, Brands And Innovation
the Largest Intermediary Firms
innovation Driven By New Technical Capabilities
the Adviser
recent Business Performance Versus Prospects
figure 6: Changes In Protection Income – Recent Past And Projected Short-term Future, August 2013
sectors Set For Growth
figure 7: Sectors That Advisers Are Expecting To See Growth Over The Next 12 Months, August 2013
expected Impact Of External Factors
Life and Protection - Intermediary Focus - UK - October 2013

2. figure 8: Perceived Impact Of Regulatory And Other Market Developments On Own Business Over The Next
12 Months, In Order Of Positive Influence, August 2013
suggested Supply-end Improvements
figure 9: Areas In Which Advisers Would Like Further Improvements Made, August 2013
what We Think
issues In The Market
how Is The New Regulatory Framework Impacting On The Protection Advice Industry?
is The Introduction Of Simplified Protection Products Viewed As A Positive Development By Advisers?
what Impact Will Welfare Reforms Have On The Protection Industry?
should Protection Advisers Be Concerned About The Growing Influence Of Price Comparison Sites?
how Confident Are Protection Advisers Feeling About The Next 12 Months?
trend Application
trend: Life Hacking
trend: Extend My Brand
mintel’s Futures: Brand Intervention
regulatory Context
key Points
new Regulatory Body
recent Regulatory And Legislative Changes
impending Legislation And Regulation
market Drivers
key Points
intermediaries Play A Dominant Role In The Protection Market
removal Of Commission On Pure Protection Products Would Be “disastrous”
significant Protection Gap: Just Two In Five Adults Have Life Cover
figure 10: Ownership Of Life Insurance And Other Common Protection Products, By All Adults, Those With
Children And Mortgage Holders, March 2013
huge Scope To Improve Take-up Of Other Protection Products
providers Seek To Widen Product Appeal And Lower Costs By Developing New Direct-to-consumer
Propositions
uk Economic Recovery Finally Starts To Gather Pace…
but Conditions Remain Tough For Many Households
decline In Secured Lending Has Adversely Affected Sales Of Mortgage-linked Protection Insurance…
so It’s Good News That The Housing And Mortgage Markets Appear To Have Moved Into Recovery
Mode…
Life and Protection - Intermediary Focus - UK - October 2013

3. but Let’s Not Get Too Carried Way
who’s Innovating?
key Points
positive Solutions Partners With A Protection Portal
direct Life Develops Universal Application For Protection Advisers
protection Products Are Beginning To Make An Appearance On Platforms
web Aggregators Are Showing Greater Interest In Protection
market Swot Analysis
figure 11: Protection Intermediary Market – Strengths, Weaknesses, Opportunities And Threats, 2013
size Of The Intermediary Market
key Points
mintel Expects The Number Of Directly-authorised Firms To Have Stabilised
figure 12: Total Number Of Directly Authorised Retail Intermediary Firms, 2006-13
financial Advice Sector Has Been The Most Resilient Over Recent Years
figure 13: Number Of Directly Authorised Retail Intermediary Firms, By Sector (primary Category Only),
2006-12
number Of Financial Advice Ars Is Increasing
figure 14: Number Of Financial Advice Appointed Representatives And Directly Authorised Firms, By Type,
2008-12
adviser Share Of Term Assurance Business
key Points
recent Market Performance – Pre-rdr
ifas Grow Their Share Of The Mortgage Term Market
figure 15: New Mortgage Term Assurance Premiums, By Distribution Channel, 2008-12
ifas Enjoy An Even Greater Share Of The Protection Term Sector
figure 16: New Protection Term Assurance Premiums, By Distribution Channel, 2008-12
2013 First Half Performance
‘restricted Advice’ Channel Plays A Prominent Role In The New Rdr Environment
figure 17: Share Of New Mortgage Term Assurance Contracts And Premiums, By Distribution Channel, 2013
H1
figure 18: Share Of New Protection Term Assurance Contracts And Premiums, By Distribution Channel,
2013 H1
adviser Share Of Whole-of-life Assurance Business
Life and Protection - Intermediary Focus - UK - October 2013

4. key Points
ifas Have A Tiny Share Of The Guaranteed Acceptance Plan Market...
figure 19: New Guaranteed Acceptance Plan Premiums, By Distribution Channel, 2010-12
but Dominate The Distribution Of Investment-linked Whole-of-life Assurance
figure 20: Other New Whole-of-life Premiums, By Distribution Channel, 2010-12
2013 First Half Performance
ifas Retain Their Share Of The Declining Investment-linked Sector
figure 21: Share Of New Guaranteed Acceptance Plan Contracts And Premiums, By Distribution Channel,
2013 H1
figure 22: Share Of Other New Whole-of-life Contracts And Premiums, By Distribution Channel, 2013 H1
adviser Share Of Critical Illness Insurance Business
key Points
some 45% Of New Mortgage Term And 35% Of Protection Term Assurance Sales Included Critical Illness
Cover In 2012
ifas Are Responsible For The Lion’s Share Of Critical Illness Rider Business
figure 23: Distribution Of New Individual Term And Whole-of-life Assurance Premiums Sold With Critical
Illness Riders, By Channel, 2008-12
ifas Take A Larger Slice Of The Smaller Standalone Market
figure 24: Distribution Of New Individual Standalone Ci Premiums, By Channel, 2008-12
2013 First Half Performance
ifas Lose Share
figure 25: Share Of New Ci Rider And Standalone Ci Premiums, By Distribution Channel, 2013 H1
adviser Share Of Income Protection Business
key Points
tied Advisers Picked Up Share Of Income Protection Business In 2012
figure 26: Distribution Of New Individual Income Protection Regular Premiums, By Channel, 2008-12
2013 First Half Performance
distribution Mix Varies Considerably Between The Two Sectors
figure 27: Share Of New Long-term Income Protection Contracts And Premiums, By Distribution Channel,
2013 H1
figure 28: Share Of New Short-term Income Protection Contracts And Premiums, By Distribution Channel,
2013 H1
adviser Firm Rankings
key Points
sesame Bankhall Is The Largest Intermediary Firm, Based On Turnover
figure 29: Top 20 Financial Advisers In The Uk Protection Intermediary Market, Based On Relevant
Turnover, 2012
Life and Protection - Intermediary Focus - UK - October 2013

5. a Fragmented And Varied Marketplace
figure 30: Adviser Numbers, 31 July 2013
companies And Products
sesame Bankhall
2011/12 Overall Ranking In The Uk Intermediary Market
company Description
service Offering
recent Financial Performance
figure 31: Key Financial Data For Sesame Bankhall Group Limited, 2010-12
recent Activity
intrinsic
2011/12 Overall Ranking In The Uk Intermediary Market
company Description
service Offering
recent Financial Performance
figure 32: Key Financial Data For Intrinsic Financial Services Limited, 2010-12
recent Activity
tenet
2011/12 Overall Ranking In The Uk Intermediary Market
company Description
service Offering
recent Financial Performance
figure 33: Key Financial Data For Tenet Group Limited, 2010-12
recent Activity
openwork
2011/12 Overall Ranking In The Uk Intermediary Market
company Description
service Offering
recent Financial Performance
figure 34: Key Financial Data For Openwork Limited, 2010-11
recent Activity
baigrie Davies & Co And Lifesearch
2011/12 Overall Ranking In The Uk Intermediary Market
company Description
service Offering
recent Financial Performance
figure 35: Key Financial Data For Lifesearch Limited, 2011 And 2012
recent Activity
positive Solutions
2011/12 Overall Ranking In The Uk Intermediary Market
company Description
Life and Protection - Intermediary Focus - UK - October 2013

6. service Offering
recent Financial Performance
figure 36: Key Financial Data For Positive Solutions Financial Services Limited, 2011-12
recent Activity
advertising And Promotion
key Points
guaranteed Acceptance Plans Account For The Majority Of Protection Industry Adspend
figure 37: Total Advertising Expenditure On Protection Products, By Product Category, 2009-13
most Adspend Was Generated By Product Providers
large Intermediary Firms Invest Limited Amounts On Consumer Advertising...
figure 38: Advertising Expenditure – Top Six Adviser Firms Active In The Protection Sector, 2011-13
ifa Protection Income And Future Growth Areas
key Points
about Mintel’s Ifa Research
protection Advisers Are Gaining Confidence
figure 39: Changes In Protection Income – Recent Past And Projected Short-term Future, August 2013
individual Term Assurance Is Predicted To Be A Key Growth Area
figure 40: Sectors That Advisers Are Expecting To See Growth Over The Next 12 Months, August 2013
impact Of Regulation And Other External Factors
key Points
nearly Half Of All Advisers Expect The Housing Market To Have A Positive Impact On Their Protection
Business Over The Coming Year
figure 41: Perceived Impact Of Regulatory And Other Market Developments On Own Business Over The
Next 12 Months, In Order Of Positive Influence, August 2013
there Is Less Optimism Concerning The Simple Financial Products Initiative And Mmr
price Comparison Sites Pose A Growing Threat
a Fifth Of Advisers Expect The Gender Directive To Negatively Impact Their Protection Business
further Provider Improvements
key Points
advisers Most Want Providers To Make Additional Improvements To Their Application And Underwriting
Processes
figure 42: Areas In Which Advisers Would Like Further Improvements Made By Protection Providers,
August 2013
Life and Protection - Intermediary Focus - UK - October 2013

7. appendix – Product Definitions
main Types Of Life Insurance
other Protection Policies
appendix – Additional Regulation
further Regulatory Milestones Occurring Within The Past Few Years
other Noteworthy Initiatives
welfare Reform
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Life and Protection - Intermediary Focus - UK - October 2013