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. More than half of men with financially dependent children are putting them at risk by failing to take out life insurance. ... [Read full article on Daily Express ]
Wednesday 14th of June 2017 08:08:00 AM
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Latest Finance News related to Life Insurance

Father's Day is a good day to cover your family’s future image
Source : Daily Express [Read Article] Wednesday 14th of June 2017 08:08:00 AM
. More than half of men with financially dependent children are putting them at risk by failing to take out life insurance. ...
Britons are sitting on too much debt without a financial safety net image
Source : Daily Express [Read Article] Sunday 28th of May 2017 12:01:00 AM
....As household borrowing climbs ever higher, most have no protection against an unexpected death or illness in the family. Specialist types of cover such as life insurance, income protection and critical illness cover can help clear your debts if a key family member is unable to work and your income dries up as a result, but too many go unprotected. ...
Five minute guide to ever-increasing inheritance tax  image
Source : Daily Express [Read Article] Sunday 7th of May 2017 12:01:00 AM
....If the nil-rate band is exceeded, Isas are liable to IHT, but you can pass on your pension free of death duty if you die after age 75, although beneficiaries may pay income tax on the money. Seek professional advice if you want to try more complex options, such as taking out a whole-of-life insurance policy to cover the tax bill, or setting up a trust. ...
Inheritance tax: Four in five over-55s at risk of brutal death bills image
Source : Daily Express [Read Article] Friday 5th of May 2017 04:06:00 PM
....Yet, less than a fifth of over 55s have taken action to reduce liability - despite death tax being one of the easiest taxes to legally avoid. Setting up trusts, gifting assets and taking out life insurance are just a few of the ways to limit the impact of the dreaded duty. ...
Company profit warnings increase on previous quarter image
Source : BBC [Read Article] Sunday 23rd of April 2017 08:23:22 AM
....That was two more than in the previous quarter but one less than in the same period a year previously. The FTSE sectors issuing most warnings were support services (11), travel and leisure (8), non-life insurance (5) and software and computer services (5). ...
WARNING: Free bank accounts to END, warns IMF in yet ANOTHER blow to hard-working Britons image
....". Banks could avoid charging for banking, if they follow examples in Japan to increase profits by selling more investment and life insurance products, said the IMF. ...
What is probate? Is there anything I can do to avoid rising probate fees? image
Source : Daily Express [Read Article] Thursday 6th of April 2017 05:39:00 PM
....How to avoid probate fee rises by using a trust . Ms Rowland said: “Taking out life insurance written in trust could also be part of the answer as funds would be made available outside of the estate to cover any potential fees. ...
Blurred lines? image
Source : BBC [Read Article] Monday 20th of March 2017 12:02:25 AM
Smokers could earn £3,839 after quitting for just a year, figures reveal image
Source : Daily Express [Read Article] Wednesday 8th of March 2017 08:38:00 AM
.... . They could also cut the cost of life insurance – generally twice as high for smokers because of lower life expectancy: “Even social smokers who spark up just a few times a year pay the full loading. ...
Standard Life and Aberdeen seek to tie in key staff in £11bn merger image
Source : Guardian [Read Article] Monday 6th of March 2017 08:06:34 AM
....”. Flanagan said the equal number of members from each company on the board – despite the fact Standard Life would comprise two-thirds of the enlarged entity – showed that the focus was turning to fund management and away from Standard Life’s traditional life insurance business. ...
Five minute guide to tracing your lost financial assets image
Source : Daily Express [Read Article] Sunday 5th of February 2017 01:57:00 PM
....UNCLAIMED ASSETS. Up to £15 billion could be lying in dormant life insurance policies, bank and building society accounts, Premium Bonds, investment funds and pensions, according to the Unclaimed Assets Register. ...
Life insurance: Why it now pays to be healthy image
Source : Daily Express [Read Article] Wednesday 1st of February 2017 12:01:00 AM
....At age 60, Scottish Widows would charge £158, but VitalityLife would charge just £88 at first, though your premiums could rise later if your health worsens. Alan Lakey, specialist protection adviser at Highclere Financial Services, welcomed the new policy: "Anything that incentivises people to buy life insurance and take care of their health is to be applauded. ...
Cuts to heap for suffering bereaved families image
Source : Daily Express [Read Article] Wednesday 1st of February 2017 12:01:00 AM
....“This cannot be justified, especially where children are involved,” he said. Stephen Crosbie, protection director at Aegon, said families still needed to take out life insurance. ...
How artificial intelligence could help make the insurance industry trustworthy image
....The emphasis on speed and ease of use online also reflects the insurance companies’ desire to attract younger customers. According to a 2014 Swiss Re survey, US consumers under age 44 are more than twice likely to buy life insurance on the internet than those over 65. ...
Do we have to take out life cover through our mortgage adviser? image
Source : Guardian [Read Article] Thursday 12th of January 2017 07:00:21 AM
.... We have agreed to get life cover for the money we feel we can afford, but have just received a recommendation from our mortgage adviser that is more than £120 higher than previously agreed. Do we have to take the life insurance out with them? I know we have to buy their buildings insurance, but what about the life insurance? Please could you give me some advice on this. ...
Five minute guide to surviving a New Year separation image
Source : Daily Express [Read Article] Sunday 8th of January 2017 12:01:00 AM
.... . Pension and life insurance plans may list your ex-spouse as a beneficiary in case of your death, so update them as well. ...
New year resolutions to help you handle your money in 2017 image
Source : Daily Express [Read Article] Sunday 1st of January 2017 05:41:00 PM
....Protect loved ones. Your family could soon face hardship if the main breadwinner falls seriously ill or dies unexpectedly, Connolly says: “Consider life insurance, income protection and critical illness cover, they may be cheaper than you think. ...
Deadline looms for Indian cash overhaul image
Source : Guardian [Read Article] Friday 30th of December 2016 11:56:17 AM
....4% increase in the value of income tax collected since the policy was introduced, while indirect tax collection had grown by 26%. The life insurance, tourism and air travel industries had also shown strong growth, he added. ...
Barclays agrees to sell French retail business image
Source : BBC [Read Article] Monday 12th of December 2016 10:53:07 AM
....Barclays has agreed to sell its French retail banking division as it continues its efforts to streamline its business. Private equity firm AnaCap partners will take over 74 retail branches, a life insurance business, as well as wealth, investment management and brokerage operations. ...
RBS’s past sins are still shaping the bank’s future | Jill Treanor image
Source : Guardian [Read Article] Thursday 1st of December 2016 01:02:49 PM
....Eight years after the banking crisis, Royal Bank of Scotland (RBS) has failed its annual health check. If this were a medical before getting life insurance, it would be like a doctor telling the patient to get fit; it is not notice of sudden death. ...
My year of no spending is over – here's how I got through it image
Source : Guardian [Read Article] Saturday 26th of November 2016 06:00:24 AM
....Giving up spending for a year was an extreme approach, but the aim was to embrace extreme frugality, shake up my spending habits and overpay my mortgage instead of shopping. I could continue to pay my bills, including mortgages, utilities, broadband, phone bill, charity donations, life insurances, money to help my family and basic groceries. ...
Admiral to price car insurance based on Facebook posts image
Source : Guardian [Read Article] Wednesday 2nd of November 2016 12:01:04 AM
.... As well as Admiral’s car insurance scheme, insurers are looking at how they can use the rise of smartwatches and fitness trackers to monitor people’s health. For example, Vitality is currently selling the Apple Watch to health and life insurance customers, with the final price dependent on how much exercise customers do while owning the watch. ...
Mortgage lenders lift upper limits to help solve an age-old problem image
Source : Guardian [Read Article] Monday 17th of October 2016 08:39:31 AM
.... Nationwide says its rates are no different from those on mortgages for all other borrowers, and that there are no extra costs or insurance requirements. Halifax says its products, fees and rates do not change based on a customer’s age, and that life insurance is not a requirement. ...
The business of hedging image
Source : BBC [Read Article] Friday 14th of October 2016 03:09:51 PM
....If you've ever packed an umbrella so you aren't caught out by the weather, you've adopted a hedge position. Chances are you have also taken out a financial hedge in the form of health or life insurance. ...
HEALTH insurance could be the PROTECTION we need the most image
Source : Daily Express [Read Article] Sunday 2nd of October 2016 02:28:00 PM
. While many understand the value of buying life insurance to protect their loved ones in case of early death, most fail to protect themselves against illness that can strike at any time. ...
Offshore workers accept new pay deal image
Source : BBC [Read Article] Thursday 22nd of September 2016 02:30:42 PM
...."We were able to secure improvements to competency payments and the introduction of a flexibility payment. Threats to life insurance, health care and sick pay have been removed. ...
How to hide it: inside the secret world of wealth managers | Brooke Harrington image
Source : Guardian [Read Article] Wednesday 21st of September 2016 05:00:17 AM
.... Typically, you’ll see sheikhas not walking behind their husbands, like before, but walking with their husbands, holding hands. So fathers are changing their estate planning: they’re creating trusts and taking out life insurance, which is kind of haram in Islam, but they do it because their sons are going to get the family business under sharia law, and they want their daughters to have an equal share. ...
Lost in grief image
Source : BBC [Read Article] Friday 16th of September 2016 09:16:18 PM
....They are not the only option, of course. Consumer group Which?, in its guide on the subject, points out that a life insurance policy, money from an estate and traditional savings accounts can all be used to pay for funerals. ...
Brand Wiggins image
Source : BBC [Read Article] Wednesday 10th of August 2016 11:07:09 PM
....The haircut, sideburns and long frame, the dry British humour and spiky, rock'n'roll personality - as well as the litany of achievements - in brand terms, it's a winning combination. But while other sporting stars swapped the golden glow of London for endorsing everything from mineral water (Sir Chris Hoy), to meat substitutes (Mo Farah) and life insurance (Jessica Ennis-Hill), there were very few products associated with the Wiggins name. ...
A sister's pain image
Source : BBC [Read Article] Friday 22nd of July 2016 02:02:14 PM
....Zaharie had no money problems, no mental health problems, no marriage problems, no drug or alcohol problems, no history of odd behaviour. They even checked if he'd recently taken out life insurance and analysed his body language going through security that day (he's on CCTV). ...
Why IMF global financial stability report should be taken with pinch of salt image
....But the third problem detected by the IMF may not be a problem at all. The Fund argues that the life insurance industry could be a future source of systemic risk and should therefore be subject to macroprudential stress testing, or counter-cyclical capital buffers, on the model used for banks. ...
Homebuyers may be paying too much for insurance, says research image
Source : Guardian [Read Article] Sunday 29th of May 2016 02:39:05 PM
....“Over the lifetime of a mortgage, failing to regularly shop around for a good deal on home insurance could cost thousands in lost savings,” said spokesman Ben Wilson. Related: Expensive and worthless: the whole of life insurance plans sold to millions. ...
Expensive and worthless: the whole of life insurance plans sold to millions image
.... But after handing over £35,000 to a reputable insurance firm over a period of 29 years, she has now discovered it is worth a paltry £1,227. Although Amin, who speaks little English and reads none, thought she had taken out a savings policy, what she had been sold was a complex life insurance policy only of use to the very rich. ...
LGBT insurer Emerald aims to bridge a sexuality gap image
Source : Guardian [Read Article] Saturday 30th of April 2016 06:00:17 AM
....When Wardlaw asked the insurer why, the suggestion was that cabin crew may have lifestyles that would result in more claims. But this wasn’t for a life insurance product, it was for home insurance, which makes it all the more mystifying. ...
Savers left baffled by interest allowance image
Source : Daily Express [Read Article] Sunday 17th of April 2016 02:16:00 PM
.... This includes popular high-interest current accounts such as Santander 123, which pays three per cent a year on balances between £3,000 and £20,000. It is not restricted to cash, as it also covers credit union accounts, government and corporate bonds, investment funds such as unit trusts, life annuity payments and some life insurance contracts. ...
How we helped a family win the £400,000 Royal London refused to pay image
Source : Guardian [Read Article] Saturday 16th of April 2016 06:00:10 AM
.... Amid the nappies and the sleepless nights – and handling her father’s estate – the last thing she had was the strength to fight a giant insurance company. Jodie was only vaguely aware that three years earlier Paul had visited an independent financial adviser, who had recommended that he take out a life insurance policy with Royal London that would pay her £350,000 on his death. ...
REVEALED: How the rich avoid paying inheritance tax - and you can TOO  image
Source : Daily Express [Read Article] Monday 11th of April 2016 04:37:00 PM
...."These death tax changes, coupled with pension funds not being liable to inheritance tax, will be an important consideration and for many people could mean that it is more tax efficient to draw income from other wrappers, such as savings accounts or ISAs, and to leave pension investments untouched. "If this all sounds a little fiddly - another option is taking out a life insurance policy, with the payout used to pay any inheritance tax allowing beneficiaries to receive the value of an estate in full. ...
Five-minute guide to… life and critical illness cover image
Source : Daily Express [Read Article] Sunday 10th of April 2016 12:01:00 AM
....Seven out of 10 UK parents do not have any protection, such as critical illness cover, which pays out a tax-free sum following illnesses including cancer, heart attack or stroke. Also, almost half do not have life insurance, which pays a lump sum to loved ones if they die unexpectedly, according to new research from CompareTheMarket. ...
Labor calls for banking and financial services royal commission image
Source : Guardian [Read Article] Friday 8th of April 2016 04:11:25 AM
.... Many Australians have suffered through the decisions of banks and financial institutions. “Retirees who have lost their retirement savings, small businesses who have lost their livelihood, Australian families who have lost hundreds of thousands of dollars, life insurance beneficiaries denied justice and legitimate claims. ...
India's sewer workers risking their lives image
Source : BBC [Read Article] Monday 4th of April 2016 11:06:15 PM
.... . While the city's civic authority directly employs around 30,000 people to keep Mumbai clean, the more difficult and dangerous job of unblocking sewer lines is usually done by casual workers who are hired on a day-by-day basis through contractors, and so they're not eligible for medical or life insurance benefits. ...
Avoid rising funeral costs with a pre-paid plan image
Source : Daily Express [Read Article] Tuesday 22nd of March 2016 10:36:00 PM
....” . Six out of 10 plan to cover the expense with savings and investments, while others have life insurance. ...
RBS to cut 550 jobs as part of plan to automate investment advice image
Source : Guardian [Read Article] Sunday 13th of March 2016 06:36:42 PM
....RBS, which is 73% owned by taxpayers, is shrinking its investment advice team by making the service available only to people with more than £250,000 to invest. Some 220 jobs are expected to go in the division, with a further 200 to follow in its protection team, whose staff offer advice on products such as life insurance. ...
Old Mutual plans to split into four units image
Source : Daily Express [Read Article] Saturday 12th of March 2016 07:14:00 AM
....The FTSE 100 group’s decision, which follows a review announced last November after Bruce Hemphill took over as chief executive, will also heighten speculation of a takeover bid for its UK-focused wealth operation. It said regulatory changes in South Africa and Europe had made the company, which began in 1845 as a life insurance firm in Cape Town, more complex and costly to run. ...
Old Mutual to split into four units image
Source : Guardian [Read Article] Friday 11th of March 2016 09:59:17 AM
....The breakup of the Anglo-South African financial services group, which is listed in London and Johannesburg and has insurance, asset management and banking operations, follows a strategic review announced in November, when former Standard Bank executive Bruce Hemphill took over as chief executive. Regulatory changes in Europe and South Africa have made the company, which was launched in 1845 as a life insurance firm in Cape Town, more complex to run. ...
Asic examines claims CommInsure avoiding payouts to sick and dying image
Source : Guardian [Read Article] Tuesday 8th of March 2016 03:13:46 AM
....”. A Senate inquiry into the financial advice industry, headed by the Nationals senator John Williams, was extended last week to include the $44bn life insurance industry and whether companies “are engaging in unethical practices to avoid meeting claims”. ...
Probe into six insurers could mean COMPENSATION for pension savers image
Source : Daily Express [Read Article] Thursday 3rd of March 2016 05:27:00 PM
....If the watchdog rules the charges were unfairly communicated, customers who have already paid the fee could be due compensation. The regulator declined to put a number on how many customers may be affected, but policies being investigated include endowments, investment bonds, individual pension plans and whole of life insurance policies - potentially affecting millions of people. ...
Source : Reuters [Read Article] Thursday 3rd of March 2016 10:46:29 AM
. Britain's Financial Conduct Authority has launched a probe into six insurance firms including Prudential and Old Mutual as part of a review into the treatment of long-time life insurance customers. ...
Insurers face exit fees investigation image
Source : BBC [Read Article] Thursday 3rd of March 2016 10:13:00 AM
. Major insurers are being put under the spotlight after a regulator found that customers may have been unaware of life insurance exit fees. ...
Six   firms investigated over pension exit and transfer charges image
Source : Guardian [Read Article] Thursday 3rd of March 2016 09:40:27 AM
. Britain’s financial watchdog has strongly criticised the way some life insurance firms have treated longstanding customers with pensions and other savings products and is carrying out a further investigation into six companies. ...
Source : Reuters [Read Article] Thursday 3rd of March 2016 08:02:47 AM
....L) and Old Mutual (OML. L) over their treatment of long-time life insurance customers. ...
Banks ordered to treat vulnerable customers with empathy image
Source : Telegraph [Read Article] Tuesday 23rd of February 2016 05:00:27 AM
.... . In one particularly serious case identified by the taskforce, an unconscious and dying cancer sufferer nearly had his life insurance policy cancelled because of missed payments, despite the man’s son telling the bank why the customer was unavailable to talk or manually process the payments. ...
Source : Reuters [Read Article] Friday 19th of February 2016 11:53:27 AM
.... . "Research and due diligence is one of the three pillars of getting advice right, which is why we have returned to this issue," Linda Woodall, director of life insurance and financial advice at the FCA, said. ...
Source : Reuters [Read Article] Friday 19th of February 2016 11:53:27 AM
.... . "Research and due diligence is one of the three pillars of getting advice right, which is why we have returned to this issue," Linda Woodall, director of life insurance and financial advice at the FCA, said. ...
Prudential shares spooked by Chinese capital crackdown image
Source : Telegraph [Read Article] Tuesday 2nd of February 2016 04:02:49 PM
....” . Prudential also has a life insurance joint venture with the Chinese insurer Citic and a distribution agreement with Standard Chartered Bank. ...
My brother wants to buy me out of our property – how do I get my fair share? image
.... As I work from home and need a home office, I decided to move out back to my parents’ house. I stopped my mortgage monthly payments as soon as I moved out but still had payments for my life insurance, ground rent and service charge going through. ...
L&G to build 3,000 rental homes image
Source : Telegraph [Read Article] Wednesday 27th of January 2016 03:35:00 PM
.... It has signed up the pension manager PGGM to contribute to the building programme, with an initial £600m commitment between the pair. The companies hope the rental revenues will generate income to pay their life insurance customers, while putting some of their capital to work in long-term property investment. ...
Comparethemarket set for £1bn stock market float image
Source : Telegraph [Read Article] Wednesday 27th of January 2016 12:43:45 PM
.... . BGL also owns a range of other businesses including Minster Law, which handles personal injury claims from customers within the group; budget insurance provider Frontline; white-label insurer Junction; and the life insurance brand Beagle Street. ...
Insurers brace for another wave of takeovers image
Source : Telegraph [Read Article] Wednesday 27th of January 2016 05:15:53 AM
.... . “Where we are in the global economy, with interest rates so low, means people have a lot of excess capital and everyone is chasing a return,” said Fergal O’Shea, head of life insurance M&A in the broker's European business. ...
Make inheritance less taxing: Pensioners want to pass on their wealth image
Source : Daily Express [Read Article] Tuesday 26th of January 2016 08:19:00 PM
....”. There are more complex ways of avoiding IHT such as setting up a trust or taking out a whole-of-life insurance policy, but you will need specialist tax advice to do this. ...
Financial detox: save hundreds on your house and bills image
Source : Telegraph [Read Article] Monday 25th of January 2016 10:00:07 AM
.... . In the video above, Senior Personal Finance Reporter Katie Morley shares a few simple tips to help reduce your outgoings, such as changing your life insurance policy, searching for the best mortgage deal and even switching off your appliances at the wall. ...
REVEALED: The trick pensioners are using to avoid inheritance tax image
Source : Daily Express [Read Article] Friday 22nd of January 2016 04:47:00 PM
.... Furthermore, parents and grandparents can make one-off cash or asset gifts to children of up to £5,000 or grandchildren of up to £2,500. Another and arguable easier option altogether is taking out life insurance, which can be used to pay any inheritance tax and allow beneficiaries to receive the value of an estate in full. ...
Curtis Banks buys Suffolk Life from L&G in largest takeover since listing image
Source : Telegraph [Read Article] Friday 15th of January 2016 08:14:15 AM
.... . Curtis Banks does not own an advisory arm, which means it does not have the potential conflicts of interest that other life insurance and savings firms might have in bidding for these DIY pensions portfolios. ...
....6 percent at 367. 8 pence at 0950 GMT, while the FTSE 350 non-life insurance index . ...
....6 percent at 367. 8 pence at 0950 GMT, while the FTSE 350 non-life insurance index was up 0. ...
....6 percent at 367. 8 pence at 0950 GMT, while the FTSE 350 non-life insurance index . ...
L&G considers selling its Dutch retail unit image
Source : Telegraph [Read Article] Saturday 2nd of January 2016 04:55:16 PM
....1bn gross written premiums in 2014. Around 200,000 retail customers use the firm’s pensions, savings and life insurance policies. ...
It's time business stopped peddling lazy, damaging stereotypes of older people image
.... Baby boomers, born between 1946 and 1964, are usually seen as selfish, wealthy, uncaring creatures who have used up the bulk of the world’s resources and now have a triple-lock on their pensions. Companies project their idea of us on daytime TV: smartly dressed, gliding up and down on stairlifts in the spotless, huge homes that we own, efficiently planning funerals and life insurance, or getting out of those funny armchairs that tip up. ...
QBE Insurance 'discriminated' against student with depression, says tribunal image
....”. Mental illness awareness group beyondblue welcomed the finding and urged the insurance industry to remove discriminatory clauses from life insurance and income protection policies as well as travel. ...
Questor share tip: Sell Old Mutual as South Africa feels the pain image
Source : Telegraph [Read Article] Monday 14th of December 2015 05:34:44 PM
.... Old Mutual generates about half of its profits from its banking operations under the Nedbank brand, which in turn is almost entirely focused on lending to corporates across South Africa and the wider continent. Once you add in the asset management and life insurance operations, the profits generated from South Africa rise to about 70pc of the group total. ...
Questor share tip: Aviva shares exposed to market downturn image
Source : Telegraph [Read Article] Monday 7th of December 2015 05:01:47 PM
.... The new, combined group was trading well for the nine months to the end of September. Aviva said sales of new life insurance policies, which make up the majority of the group’s earnings, increased 25pc to £823m during the period. ...
Former FCA executive joins low-cost lending company image
Source : Telegraph [Read Article] Monday 30th of November 2015 06:08:49 PM
.... . The announcement of her departure came ahead of a December 2014 report which followed an investigation into a briefing to The Telegraph in March that year about the life insurance industry which knocked millions off the sector. ...
Legal & General considers an end to quarterly reporting image
Source : Telegraph [Read Article] Sunday 22nd of November 2015 08:28:11 PM
.... G4S is among the large companies flagging up a move to less frequent updates  Photo: PA. Some firms, such as life insurance companies with decades-long obligations, find that volatile quarterly figures are a poor measure of the long-term direction of the business. ...
Does having a baby late make financial sense? image
Source : Guardian [Read Article] Saturday 21st of November 2015 07:00:07 AM
....The pressures of building a career and then saving for a deposit on a home are key financial reasons why so many mothers put off having a child until their mid or late 30s. But starting a family at that age brings its own financial complications – especially around mortgages, pensions and life insurance. ...

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