10 March 2016

Danby Bloch

Danby Bloch: Freedom to jump into the unknown

Pension freedoms have led many to consider transferring pension rights out of defined benefit schemes and into defined contribution ones. However, both advisers and clients should be very cautious about such transfers. The industry has been there before some 30 years ago – and it ended in tears. There are clearly circumstances in which there […]


Mike Aldridge: The extras that make protection cover pay

Most consumers today are as taken with the extras they can get with a purchase as they are with the main purchase itself: from free robots and toys when you buy from certain home insurance companies, to store points accrued to provide rewards when you reach certain thresholds. Protection policies also come with “extras” but […]


Nic Cicutti: What do advisers really need from a trade body?

Two weeks ago, shortly before taking a quick winter break in sunnier climes, I wrote a column in which I pointed out some fairly uncomfortable truths about Garry Heath’s latest trade body, Libertatem. As we caught our flight I promised myself not to check any work messages for the duration of our holiday. I returned […]


FOS pension freedom complaints on the rise

The number of customers approaching the Financial Ombudsman Service with complaints over pension freedoms is rising, Money Marketing can reveal. A Freedom of Information request submitted by Money Marketing shows between July 2015 and February 2016 there were 848 new enquiries to the FOS relating to the freedoms. These include complaints where customers claim they […]

Roger Edwards: We need to engage, not enrage

  Why do we see so little service design innovation in financial services and protection in particular? I am not talking here about the imminent arrival of UnderwriteMe and the obvious improvements it will make to the application process. I am talking about the overall customer experience. Promotions focus on new products or tweaks to […]


Mark Dampier: Troy’s Trojan braced to weather the storm

At the risk of sounding like a broken record, we are still very much living with the fallout from the 2008 financial crisis. Central banks across the world have thrown almost everything they have at stimulating growth in the hope it will eventually lead to higher interest rates. However, with many countries now experiencing negative […]