View more on these topics

Praise for Unum sales consultant

Open letter to managing director, Unum Provident Lifestyle Protection Centre

I expect when you get a letter from an IF A, your heart sinks and you think it is going to be one of complaint. On this occasion, I have a letter of such extraordinary praise for one of your staff that I believe it is so noteworthy I am going to try and have it highlighted in the press.

Without being unkind, I think one has to admit that over the last few years Unum Provident has not always been the brightest kid on the block. Underwriting has sometimes been protracted and difficult and efficiency has not always been a by-word. However, I am delighted to say that this has all changed and I have put in a few cases in the last year which have been dealt with very effectively.

However, your sales consultant Jo McWhirr is something else. Last year, I left Sesame in order to go directly authorised with the FSA. One thing I had not realised was that as I had permanent health insurance with your company, it was not able to be continued because I was over 60.

I was rather upset about this but Jo said she would keep my name on file and, if your terms ever altered, she would let me know.

In a case like this, it is highly unlikely that anyone would remember such a request or have it diarised or anything else, so when I suddenly heard out of the blue from her that you had changed your contract such that you would be able to take me on after all, I was truly amazed and astonished.

Not only did she do that but she also sent me an application form and, on top of that, it was not put in until the middle of January and yet the policy is now on risk at ordinary rates, apart from one or two provisos, which is not bad for someone aged 62. Also, it is absolutely incredible that the surgery managed to get a doctor’s report back in time.

Basically, you are winning on two counts. First, your company suddenly escalates itself to the top of the premier league but, also, you have staff who are not just good but great.

As I am continually sending whingeing letters, it certainly makes a great change and I do hope you will compliment Jo, who is a great credit to an organisation which is improving rapidly.

BGW Jamieson
Jamieson Financial Management
Bognor Regis, West Sussex


China scare is not a bear, says Mobius

The sharp fall in Chinese stockmarkets last week is short-term profit-taking rather than the start of a bear market, says emerging markets guru Dr Mark Mobius.The sell-off in the Shanghai and Shenzhen stockmarkets followed concerns ahead of the National People’s Congress meeting this month that the government was planning a crackdown on foreign ownership or […]

The wholly truth

Without clarity on the meaning of ‘wholly and exclusively’, we must rely on sharing experiences.

PYV offers new deals for advisers and brokers

PYV has refreshed its offering of PI products for advisers and mortgage brokers to reflect new deals for intermediaries.PYV chief executive Neil Pointon says advisers and brokers can benefit from reduced rates and better cover, including for GI activities, depending on underwriting criteria.Pointon says applications for cover have been made easier by a reduction in […]

Converting pension savings to a retirement income…

Since last year’s reforms to pension legislation, a significant number of retirees have chosen income drawdown over purchasing an annuity. Income drawdown is more flexible than an annuity. However, it also increases the likelihood that individuals won’t be able to maintain their income throughout their lifetime. In this short video, we explain the risks that […]


News and expert analysis straight to your inbox

Sign up


    Leave a comment


    Why register with Money Marketing ?

    Providing trusted insight for professional advisers.  Since 1985 Money Marketing has helped promote and analyse the financial adviser community in the UK and continues to be the trusted industry brand for independent insight and advice.

    News & analysis delivered directly to your inbox
    Register today to receive our range of news alerts including daily and weekly briefings

    Money Marketing Events
    Be the first to hear about our industry leading conferences, awards, roundtables and more.

    Research and insight
    Take part in and see the results of Money Marketing's flagship investigations into industry trends.

    Have your say
    Only registered users can post comments. As the voice of the adviser community, our content generates robust debate. Sign up today and make your voice heard.

    Register now

    Having problems?

    Contact us on +44 (0)20 7292 3712

    Lines are open Monday to Friday 9:00am -5.00pm