The benefit of reflection

The impact of regulation on the general insurance market has been intense, but it has been just over three years since this sector came under the remit of the Financial Services Authority (FSA). Although it is not yet clear how much regulation will finally alter the insurance market, many firms are anticipating significant change - and the experience of the independent financial adviser (IFA) market could act as a pertinent warning.

IFAs have been regulated for more than 20 years and, as such,

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