Opinion

It is a funny old world where your simplest product confuses the distributor and customer! A group life lump sum benefit simply pays out on the death of an employee and the...

Clearly many elements of auto enrolment have been a great success. Over 10 million people saving for their retirement for the first time and so far, opt out levels continue to be...

Most auto-enrolment schemes have trustees responsible for looking after member interests, ensuring schemes are well-run, communicating clearly with members and offering suitable investment options. But many pension trustees are overlooking the interests...

There is much confusion over and even resistance to the central idea of CDC pensions, - that targeted pensions may be cut if investment returns disappoint, even though this is a constant...

Suggest a potentially disastrous outcome and follow it up with an alternative that would previously have been highly unpopular, but is then greeted with massive relief. It’s a strategy that has become a standard part of...

Global mobility and emigration are on the rise as an increasing number of individuals choose to retire or spend part, or most, of their working life overseas. These individuals may already be living outside the UK...

So called ‘added-value services’ have grown in popularity with protection insurers in recent years. We were the first company to partner with an insurer in offering one. Insurers keen to differentiate loyalty and build trust...

Concern about data and how it is protected and moved around is yet to peak. Law and regulation always lags commercial innovation, particularly where supranational regulation is needed. There will be regulation and appropriate controls after some...

You may not know it but your personal health could about to be up for sale. CoverUS, a start-up based in the USA announced significant investment and has entered the market with...

The majority of organisations today are still operating benefit and reward structures that simply do not fit with the modern workplace. There is a greater focus on pension schemes at the expense...