Critical illness vs income protection: Which is easiest for advisers?

There is a common misconception that harsh underwriting makes income protection more difficult for advisers to place. Income protection has always had a reputation for being difficult due to the strict view insurers take when underwriting the cover. Even now I still hear “harsh underwriting” as a reason advisers do not offer it, defaulting instead […]


Spring Statement: Chancellor earmarks more housing cash

Chancellor Philip Hammond earmarked more cash for affordable housing in his Spring Statement today. The Chancellor assigned an extra £1.7bn for affordable housing in London, equating to 26,000 new homes. Hammond said the extra cash would take the total planned affordable housing levels in London to 116,000 by the end of 2021/22. Hammond also added that […]


Life expectancy improvement continues to slow

The recent slowdown in life expectancy gains has moved from a blip to a trend according to data analysis from the Continuous Mortality Investigation. The data seen by the Financial Times shows life expectancy for men and women in England and Wales, which improved in the first decade since 2000, has begun to fall away. […]

Danby Bloch: Liberating company profits

While not easy, it is possible to take profits through the hard border that surrounds a company without paying excessive tax There is a hard border around company assets. If you want to move cash out, you mostly have to pay some tax. And now, one avenue – dividends – is about to get more […]


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