A persistent challenge



According to a recent survey1, 39% of UK life insurance investors are 'five years or less' policy switchers, while 39% of UK consumers who switch life and pensions provider do so again on the advice of their financial adviser. In Germany the majority, 59%, of retail buyers are five years or less policy switchers. So why is this a problem? The traditional way that insurers operate is to report new policy sales as if this is adding value to their business. But when you start to analyse the savings

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