Terry Wellard.

If the likes of Boots and Tesco can get into bed with insurers, why don't you join forces with the local chemist or butcher?

Have you noticed how database collecting has become so fashionable
these days. It seems this is everyone's answer to countering the effect of
deteriorating lapse ratios, which, as we all know, is a legacy of intense
competition.


All sorts of fancy prices have been paid to purchase portfolios in the
quest to maintain or increase market share, culminating in Eagle Star
paying a small fortune for Preferred. However, the cost per unit price was
dramatically reduced when Norwich Union purchased Premium

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