Lorna Blyth, Royal London Do guarantees benefit customers and, if so, when? To answer this conundrum we commissioned Millimans, a global actuarial consulting firm, to conduct an independent review of the UK...
Fiona Tait - Pensions Specialist, Royal London The DGS is more than just a pretty website, it can help you to target those clients who are most likely to be affected by the...
Jim Grant - Senior Product Insight & Technical Support Analyst We look at how higher DB transfer values could cause a lifetime allowance issue and how that affects the advice process. Advisers are...
It was great to see our industry picking up on the themes of product relevance in 2016 and making it easier to access protection cover. But the biggest change I saw in...
December has left me destitute. My piggy bank lies broken and empty, my lunchtime meal deal feels like an extravagant expense and I’m down to the Bountys in my box of Celebrations....
Protection providers often extol the benefits of placing plans in trust. The advantages for clients are widely recognised and numerous – inheritance tax mitigation, avoiding probate delay, controlling claim proceeds, and so...
Sarah Scott - Marketing Consultant, Royal London This month sees the return of Renton, Sickboy, Begbie and Spud in the sequel to the film Trainspotting. Just over 20 years later, we return...
An investment bond offers investors certain tax advantages, one of which is the ability to take partial surrenders from the investment. This facility allows the policyholder to withdraw amounts up to 5%...
According to recent statistics from Cancer Research UK, one in two people* born after 1960 in the UK will be diagnosed with cancer in their lifetime. The good news is that more...
By Jamie Clark, Business Development Manager The pensions revolution is almost upon us. As with any revolution, there will be winners and losers. The winners in this case could presumably be the...
