In Depth

With premiums a matter of pounds a week, dental and optical plans are rarely top of the agenda for employee benefits advisers. But, as these benefits can play a valuable part in an...

A deeper understanding of the value that group risk delivers to organisations is the key to expanding the new-to-market sales channel. That was the view of delegates at a Corporate Adviser/Canada Life Group Insurance round table debate...

Structural changes in the workplace, technological innovation, providers’ direct strategies and increased consolidation all mean group risk products must develop to thrive in the market of the future, said delegates at a Corporate Adviser round table in London...

The rise of the master trust seems unstoppable. Auto-enrolment has brought 10 million new savers into these giant schemes, while pressure from the Pensions  Regulator and employer demand has seen many own-trust...

The debate over whether trust or contract pension arrangements are superior is decades old. Yet with such a high level of regulatory change, product development and scale on the master trust side, the answer to the question...

Group risk insurers have been talking generically about early intervention for years - but now they are increasingly doing so in terms of the return on investment such approaches can bring. Premier Choice...

The UK is on course for an all-industry pile-up that could make the crash of 2008 look like a mere prang. And the really worrying aspect is that the vast majority of...

Now: Pensions revealed poor performance over three years when compared to the other 24 defaults in the Corporate Adviser Master Trust Defaults report. Its default returned 2.4 per cent annualised in the...

Auto-enrolment defaults lack sophistication in their investment design and this is in large part down to a misguided focus on cost. Employers, consultants and advisers need to switch their focus from cost...

After contribution levels, investment performance is arguably the biggest determinant of outcomes in retirement for today’s DC savers. That performance will to a large extent be determined by the asset allocation decisions...