The Insurance Industry has in the past few years shrunk to very few players. For example Scottish Widows is of course Lloyds Bank. Scottish Provident is part of Abbey. Who in turn are a Spanish bank. Life Search & Direct Life are both parts of larger groups, as are Churchill. A Life policy at Tesco's is in reality a Norwich Union policy. In the Private Medical sector. PPP, Saga, Den plan, Secure Health and Health-On-Line are all either owned or underwritten by AXA. The list of who owns who is endless. Finding somebody who is really independent nowadays is not easy.
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