For 20 years I have avoided using claim criteria such as activities of daily living or similar terms for income protection. My reasoning is simple: the level of disability needed to meet the claim requirements is substantial and far beyond what I believe to be reasonable. This problem also rears its head when considering total […]
I recently read a fascinating book a client recommended to me. Called Do No Harm, it is written by leading brain surgeon Henry Marsh. The book is both a memoir of his medical life and an exploration of what it is like to have to make daily decisions on who to treat and who is […]
Networking is a crucial part of developing referrals and opening new doors. Indeed, many advisers we work with are building profitable businesses almost solely on referrals. Building a referral network is a great way to find new clients and prospects. However, contrary to popular belief, networking is not about trying to sell your services to […]
Industry experts have branded unit-linked guarantees “almost criminal” and called on the FCA to investigate whether the products represent value for money. Unit-linked products, commonly known as guaranteed drawdown, have been touted by providers since the 2014 Budget as a way to offer both guaranteed income and flexibility. But Aviva head of pensions policy John […]
Last week was Adult Learner’s Week, a celebration of lifelong learning and continued education. But why should education stop after school?
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