You may have heard the mantra that if you don’t claim tax relief on the premiums, you won’t be taxed on the sum assured. Well, it isn’t quite that straightforward... I’ve been told this particular ‘rule’ many times, and even read about it in some insurers’ guides. It’s often referred to as a rule of [...]
https://www.youtube.com/embed/9uPMnJSgomY Happy Friday everyone and welcome to this week’s protection update! Ever since before I started this role at the end of April; I wanted to have a line of communication with the whole of the network where I can let you know what’s going on, important updates, things to look out [...]
Hi everyone. For the last episode I was joined by Chrissy Clark from the Health Claims Bureau, talking about rehabilitation services in practice. We had some really good, in depth conversations about the type of support available and how much it can benefit the recipient of the rehabilitation services. We are now at the [...]
CHILDREN’S CRITICAL ILLNESS COVER EVERY CHILD DESERVES BETTER Around 12 families are told every day that their child has cancer.* However, the importance of children’s critical illness cover is often understated. By making it an optional extra and doing a number of things differently, we’re hoping to change that. Here’s how you can protect children [...]
Care in every claim The latest vodcast from our Expert Series explains how the claims process has improved in the past year providing emotional and practical support to your clients throughout the claim process. Watch Now
Moving home is one of the most exciting things in life. You dream of settling in with a glass of bubbly, preparing a family roast in your new kitchen, and welcoming friends around for a house-warming party. But consider how much there is to organise before you get there. There’s broadband to deal with, utilities [...]
Does writing to HMRC explaining the purpose of a business protection policy ensure its tax treatment? Paul McDowell provides an answer… When advising on business protection policies it is broadly accepted that it is good practice to write to the client’s tax office about their policy. Indeed, many providers even supply suggested wording for advisers [...]
Mental Health and Protection In 2020 we had 95% overall acceptance for customers disclosing a mental health condition, with 85% offered standard rates. Helen Dick, Senior Manager Underwriting and Claims Strategy at Scottish Widows, shares her thoughts on how changes to our mental health philosophy put us in a great position to increase the number [...]
Continuing our series examining myths surrounding business protection, Zurich's Paul McDowell explores if a relevant life policy can be used as a business protection tool... The protection industry has frequently marketed relevant life cover under the heading of business protection, for convenience as much as anything else. Though it’s true that employers set them up [...]
Recently, the FCA published the results of the General Insurance Pricing Practices Market Study, outlining changes that need to be made in the insurance distribution industry. This is potentially one of the biggest changes to GI compliance in recent years, and will impact the entire insurance industry. Following the FCA’s final report, you may be [...]
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