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Thought leadership
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.
Reaction to the UK energy price guarantee announcement
Columbia Threadneedle Investments, September 2022
In this short note, produced by Columbia Threadneedle Investments in partnership with LV=, we set out our reaction to the UK energy price guarantee and the impact this will have on investors in the Smoothed Managed Fund range.
Read ‘Reaction to the UK energy price guarantee announcement.’
Research reveals an increase in worried consumers - could smoothing be the solution?
George Pullar, July 2022
The results of the latest LV= Wealth and Wellbeing Monitor highlight how the finances of millions of people are feeling the squeeze of the cost of living crisis.
Read 'Research reveals an increase in worried consumers - could smoothing be the solution?'
Did the ‘unprecedented times’ take their toll on UK consumers?
Jon Grundy, April 2022
After almost two years of ‘unprecedented times’ it appears that consumers are seeking calmness and predictability more than ever.
Read 'Did the ‘unprecedented times’ take their toll on UK consumers?'
Advice opportunities with the mass affluent
Jon Grundy, April 2022
Covid-19 presented a once in a generation event, causing a seismic shift to the finances, needs, and priorities of the UK population. Since the start of the pandemic LV= has been conducting research into the UK population’s financial and wellbeing trends, and publishing our findings in the quarterly Wealth and Wellbeing report.
Can cash investors find comfort in smoothing?
Jon Grundy, April 2022
Smoothed Managed Funds could be an ideal solution for your new and existing clients who are uncomfortable with investment risk, or who cannot or do not wish to expose their accumulated capital to undue risk looking to take action to stop inflation eroding their savings.
The investment journey balancing act
Adam Ruddle, October 2021
We seem to talk a lot about risk these days. Whether it’s risk of infection or the risk of investment, that four letter word is high on most peoples’ agenda. Of course, managing risk is nothing new – and as an insurer with a 178-year heritage, risk is a currency we’re pretty familiar with.
ESG - actions speak louder than words
Adam Ruddle, September 2021
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.
Coronavirus outbreak accelerates wealth transfer between generations
Clive Bolton, November 2020
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.
Read 'Coronavirus outbreak accelerates wealth transfer between generations'
Starting afresh, making it relevant and keeping it simple
Justin Harper, September 2021
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.
Financial resilience and the art of selling
LV= Protection Team, 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.
The changing customer needs require a more flexible approach to Equity Release
Georgina Oxton, September 2020
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.
Read ‘The changing customer needs require a more flexible approach to Equity Release’