With the belated arrival of televised debates onto the General Election scene – half a century after they debuted in the USA, it’s clear that presentation and communication skills will have an even greater influence on the eventual outcome as much as policy substance.
Clients now have a growing need for choice, flexibility and transparency when it comes to Personal Pensions.
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Here at Zurich, we know you have a choice as to where you place your protection business. There are a number of providers who will offer you products at a low cost - indeed we understand this and whilst we’re not always the cheapest, we do believe we offer a proposition which should be compelling overall.
Launching a new business is an exciting and rewarding experience, but nobody expects you to know everything about it right at the start. True, you're expected to know your own products and services, and the market in which you're operating. But there's much more to it than that
Reaction and debate rumbles on following the Financial Services Authority’s (FSA) review of advice given to clients who invested in Structured Investment Products (SIPs) backed by Lehman Brothers...
Growth of the annuity market - Over the next five years, the ‘at retirement market' is predicted to grow to £23.1 billion, so it is hardly surprising that so many retirement products such as variable and fixed term annuities have launched into the annuity market in recent years.
If you are 50 years of age or celebrating your fiftieth birthday between 6 October 2009 and 5 April 2010 and have been considering putting a little bit more money away into an Individual Savings Account (ISA), now is the time to take advantage.
Critics have been quick to predict a bleak outlook for third way providers following The Hartford's decision to withdraw from the UK market and further concerns around the cost of guarantees. However, all the signs are pointing towards a growing market and an even greater need for variable annuities as an effective way of mitigating the risks faced by today's retirees.
With ever-increasing life expectancy, people are facing a longer retirement - potentially lasting 30 years or more. Managing a finite pot of money over this time would prove a challenge for most. Conventional retirement income products don't stand this test of time as people continue to live longer and have more active retirements.
It's a truism that the time to invest is when a market is low or a sector undervalued, but those same conditions tend to worry most individual investors (and not a few professionals) – who are more likely to keep their capital in cash and out of the markets until renewed activity is well under way and much of the opportunity has been missed.
Getting the most out of pensions 'Third way' products offer a great deal of flexibility, sitting in between old-style annuities and drawdown options. They provide innovative solutions for those planning their income in retirement, enabling clients to keep control of their funds for a longer period.
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