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Houseman has established a well-deserved reputation as an authoritative practitioner work on life assurance and is renowned for its practical insight into the workings of the industry. Unique in its depth of coverage and currency, the 12th edition considers the effect of the Financial Services and Markets Act 2000 on the regulation of the insurance sector and how day-to-day transactions of life offices are being affected by e-commerce. It considers the taxation of life policies and the role they play in effective tax and estate planning. It also offers practical, transaction-focused guidance from industry insiders, legal and financial specialists. New chapters on e-commerce and the Financial Services and Markets Act 2000 are included and the text also assesses the European environment and the Third Council Directive.