Rafael Nadal shown during his win against Gilles Simon in the round of 16 at the ATP Indian Wells Masters tournament in California on Wednesday. Matthew Stockman / Getty Images / AFP / March 18, 2015
Rafael Nadal shown during his win against Gilles Simon in the round of 16 at the ATP Indian Wells Masters tournament in California on Wednesday. Matthew Stockman / Getty Images / AFP / March 18, 2015 Show more

Rafa Nadal finding form at Indian Wells as Milos Raonic looms; rest of Big 4 into quarters



World No 3 Rafael Nadal rolled over France's Gilles Simon 6-2, 6-4, on Wednesday, continuing to look at full strength at the ATP Indian Wells Masters.

The left-handed Spaniard hammered four aces and broke No 14 Simon five times to set up a meeting with hard-hitting Milos Raonic of Canada.

Nadal has now won seven straight singles matches since his loss in the Rio de Janeiro final against Fabio Fognini, including a title in Buenos Aires.

“I played a solid match against a tough opponent who has good tactics,” Nadal said. “I only had two bad games with my serve.”

Raonic hammered a 241 kmph (150 mph) serve en route to a 6-3, 6-2 straight set win over Tommy Robredo of Spain.

Raonic is in his second straight quarter-final but he will have his work cut out for him because he has never beaten Nadal in five career meetings.

Raonic said Nadal can be an intimidating figure to play against.

“Rafa really puts it out there to be noticed by his opponents and to bring himself up, as well,” Raonic said.

“The last time I played him, I managed to do a better job than the previous few times, so I think I have a reference base.”

World No 1 Novak Djokovic, meanwhile, took another step towards defending his Indian Wells title with a hard-fought 6-4, 7-6 (7/5) win over American John Isner.

Djokovic has struggled in the past with the 6ft 10in (2.08m) Isner’s bombing serve on the hardcourts of the California desert.

But the reigning Australian Open champ got the best of his opponent in the key tiebreaker.

“John has one of the best serves in the game,” Djokovic said. “It was difficult to hang in there mentally.

“He had chances in the second set but I managed to get through in straight sets.”

Djokovic booked a quarter-final clash with 35th-ranked Bernard Tomic of Australia.

Tomic eliminated fellow Aussie Thanasi Kokkinakis 6-4, 4-6, 6-4.

In 2012, Isner upset Djokovic 7-6 (9/7), 3-6, 7-6 (7/5) in the semis, a defeat Djokovic avenged last year by beating Isner 7-5, 6-7 (2/7), 6-1 to reach the final.

Djokovic now has a 6-2 advantage in career meetings, with nine of the sets going into tiebreakers. Isner has won six of those, so Djokovic felt fortunate to squeak through this time.

“With his size and his serve he can beat anyone so I am very pleased with the victory which for me is very big,” Djokovic said.

Djokovic hammered seven aces and saved both break points he faced in the 1hr 31mins match.

Four-time Indian Wells winner Roger Federer needed just 69 minutes to oust American Jack Sock 6-3, 6-2.

“The first set was really good tennis,” Federer said. “I played well throughout and was able to serve better than Jack today.”

In the quarter-finals, the Swiss second seed will face ninth-seeded Czech Tomas Berdych, a 6-2, 4-6, 6-4 winner over compatriot Lukas Rosol.

“The opponents are getting tougher as you get into the back end of the tournament,” Federer said.

Federer and Berdych have met 18 times with the Swiss holding a 12-6 lead.

Fourth seeded Andy Murray, trying to rebound from a subpar 2014, defeated Adrian Mannarino 6-3, 6-3 in the fourth round.

“It was a tricky match,” said the 27-year-old Scot. “He’s played well this year, had a few good tournaments.

“He’s a tough guy to play against. Very unorthodox style. He has a very, very good backhand cross court. Hits it very low over the net, very flat,” added Murray, whose 496th career match win equalled Tim Henman’s mark for the most in the Open Era by a British man.

Murray next faces Spain’s Feliciano Lopez who upset fifth seed Kei Nishikori of Japan 6-4, 7-6 (7/2).

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Brief scoreline:

Manchester United 2

Rashford 28', Martial 72'

Watford 1

Doucoure 90'

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Key changes

Commission caps

For life insurance products with a savings component, Peter Hodgins of Clyde & Co said different caps apply to the saving and protection elements:

• For the saving component, a cap of 4.5 per cent of the annualised premium per year (which may not exceed 90 per cent of the annualised premium over the policy term). 

• On the protection component, there is a cap  of 10 per cent of the annualised premium per year (which may not exceed 160 per cent of the annualised premium over the policy term).

• Indemnity commission, the amount of commission that can be advanced to a product salesperson, can be 50 per cent of the annualised premium for the first year or 50 per cent of the total commissions on the policy calculated. 

• The remaining commission after deduction of the indemnity commission is paid equally over the premium payment term.

• For pure protection products, which only offer a life insurance component, the maximum commission will be 10 per cent of the annualised premium multiplied by the length of the policy in years.

Disclosure

Customers must now be provided with a full illustration of the product they are buying to ensure they understand the potential returns on savings products as well as the effects of any charges. There is also a “free-look” period of 30 days, where insurers must provide a full refund if the buyer wishes to cancel the policy.

“The illustration should provide for at least two scenarios to illustrate the performance of the product,” said Mr Hodgins. “All illustrations are required to be signed by the customer.”

Another illustration must outline surrender charges to ensure they understand the costs of exiting a fixed-term product early.

Illustrations must also be kept updatedand insurers must provide information on the top five investment funds available annually, including at least five years' performance data.

“This may be segregated based on the risk appetite of the customer (in which case, the top five funds for each segment must be provided),” said Mr Hodgins.

Product providers must also disclose the ratio of protection benefit to savings benefits. If a protection benefit ratio is less than 10 per cent "the product must carry a warning stating that it has limited or no protection benefit" Mr Hodgins added.

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