Pensions

Our latest research shows that in-force premiums at the end of 2009 across death benefits, long-term disability income and critical illness cover fell by 7.7 per cent. Inforce death benefit premiums fell...

There can be no doubt we live in very interesting, and slightly frightening times.Following an inconclusive result at the general election we now face the prospect of a coalition government, with all...

Over the last decade there have been endless debates in the individual market about what a wrap is. I find such discussions pointless. Is it not more important to match customer needs...

Those of us who have been in the pension advice business for a good while should not complain about the tail winds that we have enjoyed. Attractive tax relief for our clients,...

Born Durham, 1963EducationBA Politics, Durham UniversityMarried, with a sonPlayed for Chester 30 years ago in third division(centre half or holding midfield player). “Therewere not many high points playing for Chester,aside from training...

Defined contribution schemes have long been burdened with an inferiority complex; their position as the poor relation to the mighty defined benefit plans has seen them sit in the shadows for years.But...

Most people probably do their bit for the environment by recycling their empty wine bottles, tin cans and newspapers every week. But for many people that is as far as it goes.But...

Intervening early and rehabilitating people back to work is core to the marketing strategies of group income protection providers, ideally before the scheme’s deferred period has ended. For advisers that get involved...

Cutting out the middleman is generally a route to lower costs and improved service. But, when it comes to corporate healthcare, the presence of an intermediary can deliver a number of real...

“To keep employees engaged during difficult times, employers need to be creative and flexible in their approaches to motivation and reward,” says Stephen Bevan, managing director of think tank the Work Foundation....