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New PMI provider to offer discounts to non-smokers

A new PMI provider that will offer lower premiums to non-smokers is to be launched next week.

Healthcare 4 Life is being formed by a group with over 10 years experience in the industry. It will be headed by Hazel Berrill, former head of marketing with provider OHRA UK. She will be the managing director of the new firm.

Berrill says: “With the introduction of the non-smoker discounts to this sector we are acknowledging that healthier lifestyles lead to fewer claims. Non-smoker discounts have operated successfully within the life assurance industry for years and we see no reason why they cannot be applied to PMI.”


Time for Scottish Life clients to air their views

As a typical member of our industry, for the last seven years I have been reactive rather than proactive when advising clients on their voting rights when an insurer wantsto demutualise.Looking at current and past demutualisation of insurance companies, I feel the members&#39 interests were not fully represented.Scottish Life have recently received major press coverage […]

IFA delivering advice

Bishopscourt Financial Planning has won a new contract to provide independent financial advice to postal employees.It will work with non-financial advisers Post Office Employee Welfare Advisers and People Change Advisers. The contract will involve London-based Bishopscourt presenting a series of seminars and individual sessions on financial planning in post offices throughout the UK.Bishopscourt is a […]

Pro Life to rebrandas Skandia

Professional Life is to be brought under the Skandia Life pension brand in the new year because of changes in the pension market.Professional Life products are traditionally fee-based and offer low charges but because of the introduction of lower pricing structures, especially stakeholder, the pricing gap between the two groups&#39 products has narrowed and there […]


It is always a little unnerving when your past catches up with you. I had occasion to meet someone recently who I have not seen for a number of years.He reminded me of an article I had written many years ago about insurance company inspectors. He still uses this when training his new recruits, which […]

Global income: preparing for a rate rise…

In the five years since we launched the Artemis Global Income Fund, its manager Jacob de Tusch-Lec has built a distinctive portfolio that is first among its peers. Here he explains why his “quality, cyclical and value yield” stocks, and flexible approach, leave the fund better placed to benefit from uncertainty than funds that depend […]


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