Thinkpiece is the III's thought leadership initiative. This series of exclusive features, written by industry experts, covers current trends and niche topics within insurance. You can access Thinkpiece articles here.

Some Thinkpiece articles may count towards unstructured CPD for ACII/FCII designation holders under the CII's CPD scheme. It is your responsibility to determine whether the content is relevant to your compliance and development needs. For further information, visit

Please note that unstructured CPD is not logged automatically on the iiiCPD Compliance system; you must manually update your portfolio with unstructured CPD hours earned from reading Thinkpiece articles. Click here for a step-by-step guide to recording CPD hours in your iiiCPD Compliance portfolio.


We welcome all feedback from our readers as well as suggestions for future articles from potential contributors. Please direct all feedback and suggestions to Deirdre Morrissey, Head of Member Services at