Healthier and wealthier

With competition being what it is, it makes sense for intermediaries to cover as much of their clients' insurance needs as they can - so why don't more commercial brokers offer medical insurance? It would do them a world of good, writes Derek Findlayson

Forget that you are an insurance professional for a moment. Imagine you are an entrepreneur with a chunk of capital behind you. You have no knowledge or experience of commercial broking, but you are attracted by the market and want to establish a new business.

One of the first things you would do is identify your potential customer base. Let's say you sense rich potential in the small to medium-sized enterprise (SME) market, with its 4.3 million businesses and £5.5bn annual premium spend. Next

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