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As an industry we’re adept at enhancing our core products and adding multiple features and nuances. But there are times when the right thing to do is to stop, step outside the box, start from first principles and place the needs of a specific target market front and centre of product design.
The Covid-19 pandemic has made clear the inadequacies of Statutory Sick Pay and it's time to find an alternative solution, writes Debbie Kennedy, protection director at LV=
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.
Many of your clients might consider their most valuable asset to be their house, car, maybe their pension savings or the prospect of an inheritance. But like most, they’ll overlook the obvious – themselves and their ability to earn.
More people are thinking seriously about their impact on global climate change and sustainability challenges through the investment of their pension savings. Senior Investment Manager, Adam Ruddle, explores how we’re taking this demand seriously through the integration of ESG principles within the investment strategy of our Smoothed Managed Funds.
The huge stock markets falls of the past weeks and the on-going volatility that looks to be here for some time to come have worried many savers who are either approaching retirement, or drawing an income from their pension fund. Are fixed term annuities the safe haven they’re looking for?
Coronavirus has been a huge shock to the UK and our survey of the UK population’s financial confidence, health and attitudes to spending, saving and wellbeing reveals just how worried people are about the future.
It’s fair to say that the Equity Release market continues to evolve and adapt to changing customer needs, but this also brings an element of complexity around product selection for advisers. Today’s equity release customer is a lot more focused on planning for the future and having control over their finances. Naturally, this means flexible product options are the preferred route.
With the growing popularity of Equity Release and the constant market changes, more and more advisers see lifetime mortgages as part of a holistic financial planning process to help their clients in later life.
We consider and respond to the key questions relating to the Equity Release market, including information on the benefits of releasing equity from a second or holiday home, and exploring the challenges in the sector.
Equity Release is a dynamic and ever-evolving market, with products becoming a popular solution for clients in later life who are seeking peace of mind and flexibility. It’s no surprise that more advisers see lifetime mortgages as part of a holistic financial planning process, helping their clients achieve their financial objectives.