It's time for the regulator to take a look at the way insurers set their prices - not just in life insurance, but in all areas of insurance. There are too many areas where the evidence is simply not clear enough to justify the way that insurers choose to treat prospective or even existing customers. One of my greatest bugbears is an insurer's right to put your car insurance premium up if you're involved in an accident that wasn't your fault. Regardless of whether the statistics justify their reasoning, it's simply not fair play.