No-one can deny that upheaval in the banking sector and dramatic base rate cuts by the Bank of England suggest tough times ahead.
Thousands of workers face redundancy, a bleak outlook for Christmas and probably not a particularly happy New Year.
Rates have been cut in an attempt to stimulate a faltering economy but public confidence is [...]

As the global financial crisis continues to erode consumer confidence and the prospect of facing redundancy looms ever closer for many UK workers you could be forgiven for thinking sales of income protection would increase.
Many factors however can curtail an immediate uptake of new protection policies.
For instance if the threat of redundancy is already known [...]