A magic mantra

The insurance industry is in a state of flux. The landscape is constantly changing and sometimes it is difficult to get a proper grasp of its workings or where it is headed. Broking firms are behaving like insurers, and insurers are buying brokers and are trying to keep a toehold in as many distribution channels as they can. All this makes for a somewhat confusing arena in which to conduct business and, against the backdrop of an increasingly uncertain economic climate, it is no wonder that many