3 in 4 advisers believe some income protection is better than none, but up to 81% rarely discuss alternative IP with clients, National Friendly reports.

Ian Meadows has joined Brightstar as senior equity release and protection consultant.

The service will be provided by its existing partner, Square Health.

Pen Underwriting has joined the Source Home insurer panel.

"The technology itself is only part of the equation," says Tim Stoves.

L&G says the product aims to support customers whose needs may not be met through a traditional life and critical illness policy.

Wahab Raja joins Sphere in the newly created role.

Product understanding remains low despite Consumer Duty, the report published by the House of Lords Financial Services Regulation Committee has found.

The appointments cover senior roles in distribution, technology and finance.

This is despite 38% believing it's likely their income will be affected by factors beyond their control.