It also has to be determined what kinds of insurance--life insurance, homeowners and auto are among the major categories--would be covered by new rules.

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Olive doesn't fancy the idea of eating a steak with an epinephrine auto-injector, which treats life-threatening allergic reactions.

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Also, there are many auto product recalls that do not involve life-threatening defects.

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Review your insurance coverage--life, health, disability, auto, homeowners and umbrella liability.

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In a statement, Standard Life said regulatory changes such as RDR and auto-enrolment had changed the way customers, advisers and employers engaged with the company, which provided it with a "significant opportunity" in the years ahead.

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The only way to stop a life-threatening reaction, called anaphylaxis, is an epinephrine auto-injector, which allergists recommend that everyone with severe food allergies should carry.

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The new reality in the world today is in addition to life, disability, home and auto insurance, we may also need anti-fraud insurance.

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