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PYV negotiates two PI cover deals

Specialist professional indemnity broker PYV is launching an exclusive offer for IFAs with waivers or interim FSA authorisation.

PYV has negotiated two deals which will mean that firms still looking to obtain PI cover will be able to secure it without being heavily penalised. Firms that appoint PYV as their PI adviser will receive a 10 per cent discount at their first renewal.


In or out or shake it all about?

Could the decision to contract out or contract in become the financial planning equivalent of the hokey cokey?Money Marketing has become aware that at least one Government department has officials considering an increase in the contracting-out rebates. The closest thing to an advice no-brainer – except perhaps for those who very strongly mistrust policians and […]

Get on top of top-slicing

I am revisiting an old topic that still causes uncertainty, namely a comparison of the top-slicing position, where a client has gains under a single-premium bond effected with a UK resident insurer, compared with a bond effected with an offshore provider. I will also look at the position where a client has gains which are liable to capital gains tax in the same tax year.

A hole in whole-of-life cover

Why do I believe whole-of-life cover is inappropriate for any need other than IHT planning? Well, in practice, the majority do not do what they say on the tin – they do not last for the whole of the client’s life.


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