Not all doom and gloom.

Despite a constant stream of reports predicting the demise of general insurance brokers, they must keep calm and guard against hasty decisions.

Currently, you could be forgiven for thinking there is a conspiracy
afoot, aiming to rid the market of as many intermediaries as possible
prior to the Financial Services Authority's regulatory regime.


A flurry of recent articles has stated that brokers are nearing retirement
age, proposing this as a good reason for disposing of their personal lines
business. Others suggest brokers should shut up shop and sell the business
while the account retains pre-FSA value.


In the unlikely event that brokers