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Promotion for impaired life annuities

Pension Annuities Friendly Society is sending out 61,000 letters to IFAs, solicitors and accountants to raise their awareness of the impaired-life annuities market.

The specialist annuity provider believes IFAs need to be made more aware of impaired life annuities. It fears many people who are suffering from poor health are not being advised to buy the product.

The society aims to demonstrate through case stud-ies of policyholders that anindividually underwrittenimpaired-life annuity can bea better option than other ann- uity products.

Spokesman Ben Nightingale says: “We believe thereare still a large number of people who qualify for impaired-life annuities but who are still advised to take standard annuities because IFAs are not fully aware of the product.”


A suitable case for decision trees

You can debate the principle of decision trees forever. A veritable forest full of articles,in fact. You can consider that consumers are at greaterrisk because, if they followa decision tree to the wrong conclusion, they have no rec-ourse in law.But we are going to have them and, positioned prop-erly, they could help consumers understand what […]

John Johnstone

If the Scottish financial community is a headhunters&#39 jungle, none comes as a bigger poach than John Johnston who has just resigned from fund manager Murray Johnstone.The colossus of smaller companies asset management is leaving Murray Johnstone in November to set up anew operation in Glasgow for LeggMason Investors, formerly Johnson Fry.The headhunters have had […]

No cloning around

Many IFAs are steering clear of biotechnology funds, saying they are too risky for the average client. Recent biotech developments have seen the sector pushed into the spotlight but IFAs are warning that these funds are not for everyone and it is essential for clients to be fully informed.Chase de Vere investment marketing manager Ian […]

Group sessions

From recent reports in the press, Widows has had reasonable success in establishing itself on the stakeholder panels of major IFAs. This, combined with Widows&#39 financial strength and strong brand, is likely to help ensure its viability as a long-term player in this market, always dependent, of course, on its ability to maintain a high […]

Tapering of annual allowance – adjusted and threshold income

The definitions of adjusted income and threshold income used to determine whether, and to what extent, someone’s annual allowance will be reduced can be confusing.  Here we try to make sense of it all. The annual allowance will be reduced for high income individuals from 6 April 2016.  Our previous article Tapering of annual allowance […]


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