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Of course, there are numerous exceptions to the above generalisations about the professions. Some accountancy and law firms are huge organisations which scarcely deal with individuals at all, while others are very small partnerships where one partner may have considerable knowledge of life insurance.
But the person who applies himself full time to providing advice on insurance is the insurance broker. Here again the variation in the type of organisation and advice is enormous. Of the 10,000-odd insurance broking firms in the UK, the majority are small one- or two-man firms whose main income comes from motor, house-and-contents and general insurance for small businesses. These types of insurance are in most respects simpler than life insurance, and brokers who concentrate on them will not necessarily have more than a superficial knowledge of life insurance of the deal with more than a handful of life insurance companies.
At the other end of the spectrum there are the few giant broking firms, with thousands of employees and share quotations on the Stock Exchange.
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