F&TRC's Ian McKenna analyses Royal London's online indicative underwriting decisions tool and why it might benefit both advisers and paraplanners.
When providing advice on protection cases where a loading may be expected it's important to be able to give the client a realistic indication of the likely premium as soon as possible. FCA Treating Customers Fairly regulations require that "Consumers are provided with clear information and are kept appropriately informed before, during and after the point of sale"; identifying potential ratings looks like exactly what the regulator has in mind. There have been significant advances in online...
Employers are 'in danger of having group risk protection policies that are not legislatively compliant' as the state pension age increases, Group Risk Development (GRiD) has warned.
British Friendly has extended its Mutual Benefits programme to members' wider family via two initiatives.
Capita Life & Pensions has launched a direct-to-customer digital protection system.
Ahead of MiFID II