Is the credit crunch affecting your profits? Feeling the pinch as consumers count the pennies? Struggling to keep business clients satisfied as they push for more favourable terms? There is no shortage of gloom, thanks to falling premium rates, increased competition and reducing revenues. Even in the schemes arena, where the worst excesses of competition are usually avoided, business is under pressure.
However, if there is a threat, there is an opportunity - enterprising scheme brokers are turnin