Insurers eye CPPI structures for next generation of savings products

The new breed

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The current economic landscape is demanding a new range of financial products to cater for a more cautious brand of investor. Customers want guaranteed products that offer the potential of upside participation, but without the restrictions on protection levels and fund choice that characterise UK with-profits or old-style variable annuity (VA) products.

Insurers, meanwhile, need to offer long-term savings policies with attractive growth rates that can compete against the investment vehicles prom

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