IHT

Death in service benefits can pose tax and pension problems for high earners, while smaller firms have trouble getting underwriting. Jerry Bayman suggests looking at single life Relevant Life policies

Do you think that any standardisation of qualifications for advisers will improve public trust in the insurance industry, leading to an uptake in the amount of people seeking out independent advice?

When approaching later life, as term assurance comes to an end, clients do not want to be concerned with either increasing mortgage terms or reevaluating wills in order to avoid inheritance tax issues. By taking out whole of life cover instead, Simon...