Mark Till

“I think the core thing to say is the UK market remains a sort of competitive and rational environment. There are half a dozen large competitors, of which Unum's one, it's number three by size, grain and ground are number two.”

“If you look at international as a whole in dollars, sales were up 14%. As we know, the UK is the predominant part of that. So if I perhaps touch on local currency sales in the UK, they were up 15% on the quarter.”

“As you can see that in our top line growth in the business, premium income up 8% for the year. There has been a little bit more volatility in the claims incidents at the moment, which Steve can talk a bit about.”