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Edited by Andy Couchman, Peter Le Beau, Kevin Carr, Jo Miller and Roger Edwards

Published by Protection Review Limited, Ross House, The Square, Stow-on-the-Wold, Gloucestershire. GL54 1AF.

All rights reserved. Copyright belongs to Protection Review Limited and reproduction in any way of any part of Protection Review Big Read without the express written permission of the publishers is a breach of copyright. The co-authors recognise the rights of all people and organisations quoted or mentioned. Big Read does not constitute advice is is not aimed at private customers (private customers should always take independent financial advice). The views of all individuals quoted in Big Read are theirs alone and do not necessarily represent the views of their employers, Protection Review or any organisation of which they may be a part or of any Protection Review partner or contributor. The authors and publishers can take no responsibility for action taken as a result of any information in Big Read. You are advised to check the accuracy of any data or comments before basing any commercial or other decision on them. Our policy is to correct any factual inaccuracies as soon as possible (email [email protected]) but we also publish fair comment regardless of any commercial or other relationships we may have. Our overriding aim is to be independent and to look to promote what is in the best interests of the people and organisations that buy life and health insurance products and services.

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