Better ATE than never

John Mullin is a man on a mission. After four decades in theinsurance industry, working across the whole range of disciplines, he nowfinds himself as managing director of Composite Legal Expenses, with thechallenge of educating intermediaries about a product - legal expensesinsurance - that he believes is still alien to many.

"We are hearing a lot of whinging about the compensation culture andasbestosis," he says, "but when I took my basic insurance exams many yearsago, asbestos and its poten