Abstract
This chapter discusses distribution of life assurance, pensions, and investment products. The market for life assurance, pensions, and investment products has grown rapidly during the postwar period. The industry is very fragmented with more than 100 life assurance companies and many thousands of retailers, ranging from major banks at one extreme to one-man brokerages at the other. Broadly speaking, there are two main groups of players in the market for life insurance, pensions and investment products—manufacturers and retailers. The products influenced by the legislation include life assurance, pensions, and investment products. In terms of markets and customers impact, these are important for house purchase, family protection, retirement planning, and income in older age, pure investment, and education fees funding. It is well-known that government activity and legislation are central parts of the operating environment and those changes should not be ignored.
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