Shopping for healthcare Medical insurance is facing something of a crisis. With medical costs and consumer expectation increasing, premiums are outstripping inflation and leaving employers facing tough decisions about providing cover.The extent...
But individuals who would have built up high S2P entitlements, those who may have been eligible for savings credit and those with less than 7 – 10 qualifying years will build up...
Seal of approval A government seal of approval for simple risk products would be welcome, but nobody is expecting silver bullets from the impending government response to the Sergeant Review. Just as...
An argument currently seems to be raging: should defined contribution (DC) fund design be simple or complex? Is there really a right or wrong answer? Let’s face it, all investment funds can...
Spreading the word The communication message has arguably been changed as much as anything else in workplace pensions by auto-enrolment.Getting employees to join schemes is no longer an issue – compulsion takes...
The publication of the DWP’s flat rate pension proposals has created big winners and big losers. Unfortunately for those involved in auto-enrolment, many the target market for this great experiment in DC...
Lessons to be learnt Defined benefit investing has undergone much innovation over the past decade. These examples of best practice have seen schemes reduce their exposure to equities and seek out more...
When the Society of Pensions Consultants (SPC) published its report to the FSA from the Consultancy Charging Working Group in March 2011 few would have seen this as anything but helpful to...
Ian McKenna Over the last six months I have travelled extensively in the US meeting some true visionaries who are transforming the way financial advice is being delivered to Americans. One of...
The online quote and buy system is designed for advisers with clients who want to insure between 10 and 150 employees for group life assurance and group income protection.Advisers will be able to get group...
