At least that is the plan until the apathy sets in and the gym membership, the diet and all those other New Year’s resolutions are abandoned by the wayside. Personal resolutions might only last a month or two but in business it’s vital to keep the momentum going throughout the year. Certainly in the protection industry we need to build on the success achieved at the end of 2012 when applications for protection soared as advisers raced to get clients on risk ahead of gender neutral rates.