Advisory Panel on With-Profits Life Assurance

Chairman
Julian Hance	Former Group Finance Director, Royal and Sun Alliance Insurance
Members
Philip Broadley	Group Finance Director, Prudential plc
Andrew Crean	Managing Director Insurance, European Equity Research, Citigroup Smith Barney
Philip Easter	Managing Director Group Finance, Aviva plc
Andrew Lennard	Technical Director, Accounting Standards Board
Peter Needleman	Life Practice Director, Tillinghast
Chris Nunn	Member of the Urgent Issues Task Force, former Technical Partner of Andersen
Paul Sharma	Head of Prudential Risks and Accounting, Financial Services Authority (FSA)

Observers from the Department of Trade and Industry and HM Treasury