Kathryn Cox, SVP & President, Protection Division, Protective Life

The products offered by life insurers help consumers plan for and achieve financial and retirement security. This is honorable and good, yet industry research continues to show that less than half of middle market consumers between ages 25 and 64 have individual life insurance coverage in America. This is despite the fact that these same consumers recognize the impact that would result from the loss of a primary wage earner.

“It Is difficult to get a man to understand something when his salary depends upon his not understanding It.” This quote from Upton Sinclair might resonate with proponents of passive investing who nd themselves faced with another argument for active management, written by a commentator whose salary is indeed paid for by active management.

One would be hard-pressed (and perhaps rather foolish) to deny the impact that the Internet of Things (IoT) will have on the world around us. From automated cars and home monitoring systems through to the management of infrastructure and the safety of underwater pipelines, IoT is already proving its ability to disrupt and transform virtually every aspect of our lives.