Cruise line insurance reimburses cancellations as future credits, not cash, and its evacuation limits rarely cover the actual cost... Read more

Mandatory pension schemes across Asia, Africa and Latin America automatically enrol workers into conservative default funds design... Read more

Credit life insurance bundled into personal loans costs more than quoted — because borrowers pay compound interest on the premiu... Read more

Auto-renewal keeps deposits invested after maturity, but it can also move customers into a new term before they compare rates.... Read more

Pre-authorisation holds are not fees or final charges, but they can temporarily reduce customers’ usable money, especially on de... Read more

Automated tools can help insurers process claims faster, but lawsuits and regulators are testing whether speed has come at the exp... Read more

General-purpose AI chatbots can explain financial concepts, but they can also generate specific investment recommendations without... Read more

Small fees on paycheck-advance apps can hide extremely high annualised costs, sometimes exceeding triple-digit annual percentage r... Read more

Digital savings apps can advertise high yields and bank-like protections while customer funds sit with a partner bank, custodian o... Read more

Fraudsters can now use short public audio clips to imitate a relative’s voice and pressure bank customers into authorising trans... Read more

Permanent life policies combine lifelong cover with cash value, but the structure can cost several times more than term insurance ... Read more

Unit-linked insurance plans combine investment exposure with life cover, but layered charges, lock-in periods and modest death ben... Read more