I think someone somewhere once said in regard to the investment universe that past performance was no guarantee for the future. But when it comes to protection claims, in particular critical-illness claims, a life office’s performance of paying claims should be taken into account when recommending to a client, should it not?Early guideline documentation from the FSA suggested that both financial strength and claim history should be considered when giving protection advice.
“I’ll only marry a rich man with a tennis court who can keep me.” – Marlene Scott of Polhill.
Independent brokers doing low-volume business are being forced to use mortgage clubs by lenders, blurring the boundaries between directly authorised and appointed representatives.
I am a member of my employer’s pension scheme and will have completed 20 years’ service by retirement in August 2008. Do I need to make any arrangements to take into account the new legislation in 2006?
By Tracey Dickson, marketing consultant There are almost 7 million carers in the UK – that’s around 10 per cent of the population who provide unpaid care for a disabled, seriously ill or older loved one.1 But according to a report from the charity Carers UK, 20 per cent of people providing 50 hours or more of care […]
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The Financial Services Compensation Scheme has declared self-invested personal pension operators Stadia Trustees, Brooklands Trustees and Montpelier Pension Administration Services in default. The lifeboat fund has received around 150 claims for compensation relating to the three businesses. Those claims relate to how the businesses set up, operated and administered Sipps through which people invested in […]
The Department for Work and Pensions has confirmed it will not change the pensions triple lock and will explore bolstering the powers of The Pensions Regulator in the forthcoming legislative period. The DWP published its “single departmental plan” yesterday, which sets out five objectives it is working towards over the next four years. It has […]
Sam Seaton talks about how her interest in people affects her approach to technology