Using the keypad

The question & options will be shown

We may give you thinking time

A visible countdown will be shown

During the countdown the red light will flash on the keypad

When you hear the music press the number that corresponds to your answer

28%40 votes

72%101 votes

What sex are you?

1) Male

2) Female

28%38 votes

5%7 votes

22%30 votes

30%42 votes

13%18 votes

2%3 votes

What age are you?

1) Under 25

2) 25 – 35

3) 36 – 45

4) 46 – 55

5) 56 – 65

6) 66 or older

12%17 votes

18%25 votes

36%49 votes

1%1 vote

11%15 votes

5%7 votes

17%24 votes

What type of company do you work for?

1) Insurance company

2) IFA

3) Employee benefit consultant

4) Insurance broker

5) Mortgage broker

6) Network

7) Other

16%17 votes

1%1 vote

3%3 votes

4%4 votes

2%2 votes

8%8 votes

2%2 votes

9%9 votes

17%18 votes

38%39 votes

What proportion of your business is commission based?

1) Under 10%

2) 10-20%

3) 21-30%

4) 31-40%

5) 41-50%

6) 51-60%

7) 61-70%

8) 71-80%

9) 81-90%

10) 91-100%

84%90 votes

3%3 votes

5%5 votes

8%8 votes

What proportion of your business is group?

1) 25%

2) 26% – 50%

3) 51% - 75%

4) 76% - 100%

1%1 vote

26%38 votes

48%68 votes

6%8 votes

19%27 votes

A General Election could be round the corner. What is your money on?

1) Labour back in by a mile

2) Brown hangs on by a whisker

3) Hung Parliament

4) Tories creep back in

5) Cameron sweeps the board

41%61 votes

12%20 votes

5%7 votes

7%10 votes

13%19 votes

22%33 votes

Sporting failures. On the whole, England have had an autumn of glorious failure on the world sporting stage.

How do you view this?

1) Beyond caring

2) Crying in my beer

3) I’ve become a Scottish curling fan

4) I spy a glimmer of hope

5) Can’t see what all the fuss is about

6) We’re not as bad as we think

6%9 votes

6%8 votes

29%40 votes

30%42 votes

29%40 votes

How does the future for intermediated/advice based health and protection business look to you?

1) Bleak

2) Squeezed but surviving

3) About the same

4) Improving

5) Booming

228

171

124

190

128

Which three of the five topics that came top of the web poll of delegates would you like the panel to

tackle later this morning? (Please vote up to 3 options)

1) Declined claims

2) Retail Distribution Review

3) Revolution or Evolution?

4) Raise awareness and grow the industry

5) Value Vs Price

9%15 votes

50%78 votes

24%38 votes

9%15 votes

8%13 votes

How aware are you of Cover’s Promoting Protection campaign? On a scale of 1-5 where 1 is Never heard of it,

to 5 Fully aware

1) Never heard of it

2)

3)

4)

5) Fully aware

4%7 votes

55%86 votes

41%64 votes

Do we need the Government to step in and highlight the need for protection?

1) Yes

2) No

3) Don’t know

43%64 votes

23%35 votes

17%26 votes

17%25 votes

Do you think that all product providers and IFAs should adopt common messages and marketing themes?

1) Definitely

2) Nice idea but you won’t get agreement

3) The trade associations should run a separate campaign

4) Any generic campaign or campaign theme is a non-starter

43%67 votes

5%7 votes

18%28 votes

22%34 votes

12%19 votes

Are protection products too complicated for the public to understand?

1) Not at all complicated

2)

3)

4)

5) Far too complicated

41%65 votes

12%19 votes

24%38 votes

23%36 votes

Should modules on financial protection feature in the new school citizenship curriculum?

1) Yes, definitely

2) Nice idea but it won’t happen

3) 16 year olds are too young to take in the message

4) Schools have enough to teach already

139

40

133

103

169

99

107

59

What should be the next steps for the Promoting Protection Campaign? (vote for up to 3 options.)

1) Hold a conference

2) Agree the marketing themes/slogans

3) Raise money from the industry for a generic campaign

4) Produce educational material for schools

5) Devise a brief for a simple generic protection products

6) Lobby government ministers

7) Campaign for tax relief

8) Publish case studies of how other countries tackle this problem

Panel Discussion

Declined claims

22%26 votes

23%28 votes

55%66 votes

Has the number of declined claims increased or decreased over the past 12 months?

1) Increased

2) Decreased

3) Stayed about the same

seconds10You have

Who should be responsible for making sure a claim is not declined?

1) The insurer

2) The advisor

3) The customer

Will tele-underwriting help combat this?

1) Won’t make any difference

2) Will make the problem worse

3) Should improve things abit

4) It will ensure that nothing slips through the net

73%113 votes

10%16 votes

5%7 votes

12%18 votes

Raise awareness and grow the industry

Who should be responsible for it?

1) The ABI

2) Product providers

3) Other trade bodies

4) The media

5) The Government

6) Advisers

43%

28%

3%

6%

14%

6%

seconds10You have

Will protection ever become as important as pensions or mortgages?

1) Never

2)

3)

4)

5) Definitely

Retail Distribution Review

seconds10You have

Is the RDR likely to have a major impact on the industry?Answer on a scale of 1-5

1) Is no impact

2)

3)

4)

5) Is a major impact

seconds10You have

Will it change the industry landscape for forever or is it just another bout of regulation?

1) It is a total revolution

2) It is a step in the right direction

3) Neither one or the other

4) It could make things worse for the protection market

5) Don’t know

Revolution or evolution

seconds10You have

Do we need more product development or should we try to work on the products already existing in the market?

1) The current product set is too limited

2) Products do not meet consumer needs

3) They are too complex

4) It is about right

5) We need fewer products

6) The product range needs to be expanded

7) A major overhaul is required

seconds10You have

What is best evolution or revolution?(Answer on a scale of 1 – 5)

1) Gentle Evolution

2)

3)

4)

5) Total revolution

Value Vs Price

seconds10You have

Is it possible to combine good value with competitive pricing?

1) Yes

2) No

3) Don’t know

seconds10You have

Are we likely to see a rise in premiums over the next few years?

1) A big price hike is due

2) They will creep up

3) Steady as she goes

4) They have a bit further to go down

5) Price war: you haven’t seen anything yet

Closing remarks

seconds10You have

How does the future for intermediated/advice based health and protection business look to you?

1) Bleak

2) Squeezed but surviving

3) About the same

4) Improving

5) Booming

How does the future for intermediated/advice based health and protection business look to you?

1) Bleak

2) Squeezed but surviving

3) About the same

4) Improving

5) Booming

28%

5%

31%

31%

5%

6%

29%

30%

29%

6%

2006 Result 2007 Morning