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Cogent / NFU



-NFU Mutual


Cogent&#39s advert takes the gold prize for its evocative mixture of rich imagery and clever juxtaposition.


-Saatchi & Saatchi

-Visa International

The Future Takes Visa-Desert

Saatchi & Saatchi&#39s advert demonstrates really good global branding &#45 it could be shown all over the world. It is also forward looking.


-McCann Erickson


-Daughter&#39s First Home

This advert amplifies how CGU has changed its position. It is very emotive and personal, with good branding.


Standard is pondering TV ads in mutual fight

Standard Life is considering taking its fight to stay mutual into homesnationwide with a TV campaign.It is one of the strategies the life office is considering. It would bethe first TV campaign run by a company centred on the benefits ofmutuality. A Standard Life spokesman says: “If it is appropriate, we willuse it.”It is preparing […]

Debtor&#39s prison

Flexible mortgages, the new flavour of the month, are being offered by somany lenders now that it is possible that about 25 per cent of allmortgages and remortgages are now “flexible”.That flexibility usually includes features such as the ability to takepayment holidays, the availability of extra borrowing above the initialmortgage amount secured on the property, […]

Need for mortgage payment cover is stressed by lenders

The take-up of mortgage payment protection insurance is rising slightlybut is nowhere near the levels it needs to be, says the CML.It says the numbers buying MPPI is moving up slowly, with 17 per cent ofpeople with a mortgage taking out the policies in 1999 compared with 16.6per cent in 1998. But it says many […]

ABI plea for Govt to rethink pension reporting rules

The ABI has slammed the Government over what it sees as inconsistenciesin reporting requirements for employer payments to personal pensions.The Department of Social Security wants life offices to whistleblow onemployers which fail to pay employee contributions already deducted fromsalaries.But providers claim that such a move would be imp- ossible to monitor asthere is no current […]


Britain's “Forgotten Army”: The collapse in self-employed pension membership – and what to do about it

Pension scheme membership among employees has risen by more than five million in the past four years because of the policy of automatic enrolment into workplace pensions. But Britain’s army of 4.4 million self-employed people, who account for one in seven of the workforce, are not covered by automatic enrolment. Pension coverage among the self-employed […]


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