We run a number of industry research programmes including:
- Premium Comparison: Life, Trauma, TPD, and Income Protection database
- Premium Comparison: Medical pricing database
- Commission Terms Comparison: terms, comparison spreadsheet, and dashboard
- Industry Quarterly News
Premium Comparison: Life
Our review of industry pricing enables rapid comparison of prices from all the leading life companies offering their products through financial advisers. It enables comparison on a large scale and includes many powerful analysis tools. Graphical depictions of the data make exploration of pricing positions and inefficiency easy. Below is a sample chart built from some of the data available.
Premium Comparison: Medical
The medical comparison database allows extensive comparison of medical product pricing for companies distributing through intermediaries. Data tables cover basic, basic plus specialists and tests, couples, couples with children, with and without policy fees, for a range of excess options and includes policy fee and minimum premium data.
Our commission terms survey makes it easy to dynamically review the ways the commission terms offered to financial advisers by life companies vary depending on business size, persistency, business mix, and so on. Sensitivity is rapidly determined using visual modelling. The service is updated whenever major changes in remuneration are announced by the major life companies. A sample of some of the output screens is shown below.
Many more views of commission payments made, non-commission services to adviser businesses, and payment terms can be accessed from the research.
Industry Quarterly News
We also track industry news. We build a picture of the industry up from a review of news items for every major insurer, medical insurer, dealer group, bancassurer, industry association, and add to that specialist commentary on regulation, product, pricing, and people. Current issues for the industry are considered in the light of the recent news. Below is a sample chart showing how frequently companies re-price product lines.