The True Distortions in the With Profits Market "If disclosure is not the problem, then more information is not the answer"
The Financial Services Authority’s review of With Profits policies has been motivated by a perception that consumer understanding of these products is insufficiently developed. This paper suggests that these concerns have not so much been overstated as misguided. With profits policies are complicated but consumers don’t need to understand them.
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- Andrew Godley, 2002. ""Best-advice" and the "true" mortgate term. Actuaries' endowment advice principles revisited," ICMA Centre Discussion Papers in Finance icma-dp2002-01, Henley Business School, Reading University.
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