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Britannic offers cash-back on term

Britannic Assurance has released a new term product providing a proportion of the premium to policyholders who do not claim before the end of the term.
Like traditional term, the Cash-back Plan pays out upon death during the term, but unlike others, 50 per cent of paid-out premiums will be returned to the policyholder at the end of the term.
The 15-year term product has been on the market since the beginning of January and is available for consumers aged between 18 and 49.

Britannic Assurance head of marketing David Taylor says: “This product offers the benefits of life assurance while still ensuring that customers receive a cash sum if they survive to the end of the policy.

The Cash-back Plan is an excellent way to insure a life and know that, if you don&#39t need to claim you will benefit from a proportion of the money you have paid in.”


Off-panel advice could be disastrous, says Smee

FSA proposals to allow multi-tied advisers to recommend products outside their usual range is a recipe for disaster and raises serious training and competence issues, claims Aifa director general Paul Smee. The proposals, outlined in the draft rules for depolarisation in consultation paper 166, would allow tied or multi-tied advisers to recommend off-panel products if […]

Matrix Private Equity – Matrix Enterprise Fund II

Tuesday, 28 January 2003 Aim: Growth by investing in unquoted companies Minimum investment: Lump sum £25,000 Opening/closing date: January 20, 2003/April 5, 2003 Charges: Initial 5%, annual 2.5% Commission: Initial 3% Tel: 020 7292 0874

Consultation on orphan assets set for summer

The FSA says it has undertaken preliminary work on the attribution of orphan assets and will consult on it in the summer. In CP176, the regulator says it is developing open processes for policyholders affected by the attribution of orphan assets. The move has come under fire from some critics, who say a transparent process […]

Panel&#39s ad fears prompt call for review of the FSA

The Financial Services Consumer Panel is calling for a statutory review of the FSA, claiming that the regulator does not sufficiently exercise its powers to protect consumers from misleading financial advertising. The panel says that although the Treasury is committed to reviewing the Financial Services and Markets Act 2000, which underpins the FSA, this will […]

International jurisdictions

By Neil Jones, Canada Life Investing through international providers has grown in popularity over recent years as investors seek out the benefits of gross roll-up and the wider range of investment options that can be available. When considering a recommendation for a lump sum investment, not only does the adviser have to select a suitable tax wrapper […]


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