Shrewd brokers involved in personal lines will see that opportunity knocks Despite facing pressure in the personal lines ring, brokers are knocking back the threat posed by banks and supermarkets (page 17).

It is an obvious knockout to exploit the growing offering in the high net worth category (page 32). Those from the well off to the super rich should be good cash cows to the clever, knowledgeable broker with an eye for a high premium.

Only in pet insurance are brokers not punching in the heavyweight division and that is because they do not consider it worth the candle (page 35).

The revelation that the middle classes are behind much personal lines fraud is deeply disturbing (page 7). The ABI report which unearthed this shows that Middle England is committing fraud in revenge against perceived abuses of the insurance system committed by a list of offenders including illegal immigrants and uninsured drivers.

You should look to get 51% of your decisions right, says Legal & General's Ian Viney (page 12). And as lessons go, he offers the best insight into the best education and university: life itself.

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