The FCA halted 343 applications for authorisation from firms and individuals in 2020 in a clampdown to protect consumers.
The FCA is to consult on tougher rules to protect millions of vulnerable consumers.
Punter Southall-backed protection challenger Guardian is piloting its new life and critical illness proposition with four financial services firms: L&C, Paradigm, Sesame Bankhall and SimplyBiz.
Skandia believes people should combine both fixed and individual protection to secure a larger pension pot and protect their savings.
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