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Our thought leadership reports take an in depth look at what influences people’s live – and how you can be prepared in how you work with your clients. Produced by our product experts, find information relating to our Protection, Retirement and Equity Release products.
Smoothing the ride: Why LV’s Smoothed Managed Funds deserve a closer look in volatile times
11 April 2025
Markets have re-entered choppy waters – and clients are feeling it. Volatility is once again a defining feature of the investment landscape. For financial advisers, this means two things: portfolio resilience is being tested, and client confidence is under pressure.
Read 'Smoothing the ride: Why LV’s Smoothed Managed Funds deserve a closer look in volatile times'
Securing generational wealth: Strategies for a lasting financial legacy
19 March 2025
Sarah Hills, Wealth Proposition Director at LV=, reveals key insights on preserving wealth across generations and ensuring financial security for the future.
The Retirement Bucket approach, but smoother
8 November 2024
After concerns about health, our research shows money (including not having enough money saved, or not being able to afford the lifestyle they want) is a top concern for consumers in retirement.
Autumn Budget 2024
Gwen Haggo, 31 October 2024
After the Chancellor, Rachel Reeves, delivered the new Labour government’s first Budget, Savings and Retirement Sales Director at LV=, Gwen Haggo, has shared her thoughts on what it means for both Inheritance and Capital Gains Tax.
How the female wealth shift is reshaping investment strategies
26 September 2024
We explore the key considerations for financial advisers in developing more tailored and robust, goal-oriented investment strategies that cater to the needs and preferences of women.
Read 'How the female wealth shift is reshaping investment strategies'
Retirement planning: the long-term impact of short-term thinking
26 September 2024
With increasing life expectancies and a shift from defined benefit to defined contribution pensions, we explore the importance of long-term investing in an evolving retirement landscape.
Read 'Retirement planning: the long-term impact of short-term thinking'
Adapting to change: the evolution of investment strategies for a new generation of investors
24 September 2024
As financial service providers look to secure future clients in the UK, adapting to the needs and expectations of younger working generations is key.
Read 'Adapting to change: the evolution of investment strategies for a new generation of investors'
How to unlock a more human retirement advice proposition
30 August 2024
As greater regulatory focus lands on tailoring advice to the needs and characteristics of the individual client, understanding behavioural finance can provide a roadmap for your conversations, and offer clients a more composed path towards their investment objectives.
Read 'How to unlock a more human retirement advice proposition'
How could smoothed funds support clients in difficult markets?
23 August 2024
Market volatility can leave investors anxious as they question how these conditions might affect their returns. In times of instability, some clients might delay making investment decisions and could therefore be missing out on valuable time in the market.
Read 'How could smoothed funds support clients in difficult markets?'
Onshore Bond – the forgotten wrapper
20 August 2024
In a landscape where financial advice often directs customers towards wrappers like an Individual Savings Account (ISA) or a Self-Invested Personal Pension (SIPP), Bonds, whether onshore or offshore underutilised financial planning tool.
FCA's thematic review on retirement income
16 August 2024
The decumulation landscape has evolved significantly since Pension Freedoms were introduced in 2015, and the FCA’s Thematic Review of Retirement Income Advice aims to drive thousands more consumers toward receiving retirement recommendations aligned to their needs.
Three key findings from our latest Wealth and Wellbeing research programme
4 January 2024
For the 14th edition of our leading research programme, we asked respondents to share how they feel about the upcoming festive season, their retirement plans, financial knowledge, and their level of debt. We explore the latest takeaways and how they can be used to support adviser conversations.
Read 'Three key findings from our latest Wealth and Wellbeing research programme'
Are investment choices meeting client objectives?
30 May 2023
In a challenging economic climate, with an increased tax burden, and the introduction of Consumer Duty rules it is important that advisers are working with clients to fully understand their concerns. So how do we look towards different investment options and make sure they stay in touch with client objectives?
Business Protection – Communicating the ‘What If’?
Marcus Primhak, National Account Manager, March 2025
By exploring the ‘what ifs’, we can start to demonstrate the uncertainty that can follow the death of a business owner and the damage it can have on the business.
Overcoming "unqualified objections” to protection
Carl Heard, February 2025
When it comes to approaching the subject of protection with clients, it’s important to consider the perception your client holds over their level of financial resilience and how this might impact the conversation.
Walking a mile in your client’s shoes
Eric Bell, October 2024
Have you ever stopped to think about what it really means to "walk a mile in someone else's shoes?"
Why real stories matter in protection conversations
Mike Farrell, September 2024
Using real claim examples to bring your protection conversations to life
Using claims to empower clients' decisions
Carl Heard, June 2024
You’re likely all too familiar with the misconceptions that exist around insurance, one of the more common being distrust around insurers paying claims.
How robust are the alternatives to Income Protection?
Mike Farrell, May 2024
Earlier this year, we released our Reaching Resilience report, based on a survey of 4,000 UK adults.
Read ‘How robust are the alternatives to Income Protection?’
How we can do more to champion Women in Protection
Hannah Baker, May 2024
After attending the 2024 Women in Protection conference, it’s got me thinking about what the industry does well for women and where we can improve.
How to increase your protection business
Carl Heard, 04 April 2024
Often when you reflect on those clients that decided they didn’t want to take out protection after being offered your professional advice, it can start to feel a little personal.
Financial resilience and the art of selling
Mike Farrell, September 2019
A lot of progress has been made professionalising the advice sector with qualifications, examinations and CPD. But we know that people don’t buy based on facts and logic, they buy through emotion – too often we forget that. Selling is an integral ingredient to financial planning, and an absolute essential when it comes to protection and the financial resilience of your clients.
How lifetime mortgages can help women retire more confidently
Georgina Oxton, March 2025
Did you know that 60% of UK women lack confidence in having sufficient savings for a comfortable retirement? In our latest article, Equity Release Divisional Manager, Georgina Oxton, explores the reasons why women often face financial challenges in later life, and how an LV= Lifetime Mortgage could help them achieve the retirement they desire and deserve.
Read 'How lifetime mortgages can help women retire more confidently'
The equity release landscape and market outlook for 2025
Patrick Oldham, February 2025
As we enter 2025, the equity release market appears poised for growth, driven by demographic shifts and evolving consumer needs. In this article, LV= Equity Release Proposition Director, Patrick Oldham, explores the current equity release landscape, its implications for later life lending, and what the future may hold.
Read 'The equity release landscape and market outlook for 2025'
Funding care in later life with a lifetime mortgage
Georgina Oxton, January 2025
As we age, many of us will find that maintaining our independence requires a little extra support at home. Financial solutions like lifetime mortgages can help enable those that require care and assistance to continue to enjoy their retirement from the comfort of their own home.