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19. I'm not sure how relevant Ryan Miller's no trade list is anymore. Should the Sabres decide to deal him, Miller would probably be willing to go anywhere he believes is a better situation. HomeRoyal Bank of ScotlandBolts from the blueFINANCIAL SERVICES REVIEW: INSURERS It's been a year of unexpected twists and turns for the remaining trinity of Scottish headquartered life and pensions companies00:00, 3 JUN 2008Updated08:35, 2 MAR 2017Get Daily updates directly to your inbox+ SubscribeThank you for subscribing!Could not subscribe, try again laterInvalid EmailTHERE may only be three life and pensions companies still headquartered in Scotland, but they all still have a major voice in the industry.Standard Life, Scottish Widows and Aegon which is known in the UK under the Scottish Equitable brand have continued to go from strength to strength.In addition, Scottish Life and Bright Grey both owned by Royal London have also quietly gone on their way, carving out niches in pensions and protection respectively.The sector in Scotland has seen a number of surprising twists and turns over the last 12 months. One major talking point was Standard Life's decision to move away from organic growth with the attempted takeover of Resolution, the zombie life and pensions fund owner.Locked in a long running battle with rival Pearl, Standard Life eventually lost out after Pearl offered in cash, trumping its offer of cash and shares.The whole affair was very damaging for the Edinburgh insurer, not least for the downgrading of its profile with analysts and the media.By a twist of fate, Royal London stands to benefit by having the right to acquire some of Resolution's business, including Scottish Provident, the protection company that will complement the existing Bright Grey concern.The protection market has become fiercely competitive of late, which led to Standard Life's decision to exit the market last November. The company which joined the market in 2005 says its protection range represented less than 1 per cent of all sales and only 0.6 per cent of the UK protection market.The second major discussion point in the sector whether it was connected to the Resolution debacle or not was the abrupt departure of the highly regarded head of Standard Life's UK retail division, Trevor Matthews, at the beginning of the year.Matthews who was recruited by Standard in 2004 to head its UK life and pensions arm led the overhaul of this business, concentrating on writing only profitable policies and cutting the commission paid to intermediaries.

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