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NU enhances Safeguard plan and offers IP guide

Norwich Union Healthcare is enhancing its Safeguard individual income protection and offering a guide to aid advisers with the IP sales process and educate clients.

The main change to the product is that periods of absence due to the same cause during the deferred per-iod of 13 weeks or more are now linked. The aim is to ensure that customers are not disadvantaged under the policy if they try to return to work. This is often only available on group IP policies.

NU&#39s consumer guide has been produced using the ABI&#39s advice to help consumers decide if IP is a suitable product for them.

It is designed to be a generic guide rather then geared towards NU&#39s Safeguard product. It can be downloaded along with an updated technical guide and policy wording of the Safeguard product.


&#39Tory Govt would shake up FSA&#39s intrusive regime&#39

The future of the FSA in its current form could be in the balance if the Conservative Party wins the next general election. In an interview in the Sunday Telegraph, Shadow Chancellor Oliver Letwin attacks the “intrusive regulatory regime” and says if the Tories are elected there would be a change of regime at the […]

The LIA&#39s view

At last, we have most of the information about the stakeholder investment products proposed by Ron Sandler. It is good that the Treasury has recognised that advice needs to be financed, albeit at a level of only 0.5 per cent. Nevertheless, we have been warned that if no advice results from the relaxation of the […]

Putting estate into gear

I am a widow aged 59 with two children who are now in their 30s. I have a variety of assets, including a large amount of cash on deposit. I have some income from pensions but also rely on the interest from my deposits to supplement this. I have heard there are some trust arrangements […]

Charge of the anti-avoidance brigade

Last week, I looked at the background to the introduction with effect from April 6, 2005 of the pre-owned asset rules. These impose an annual income tax charge on the benefit enjoyed by the donor of an asset, tangible or intangible, where the gift is not otherwise caught by the gift with reservation provisions. Given […]


White paper — Dubai International Insights

Jelf Employee Benefits discusses the legislative changes in Dubai, available medical facilities and policy considerations for employers with expatriate workforces in the country. This edition will be of particular interest to global human resource directors, compensation and benefits specialists and mobility managers who have employee populations in Dubai, or are considering operating there in the near future.


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