articles & commentary from Royal London

Royal London

Pension news for Financial Advisers and Paraplanners - Royal London: DB pensions transfer advice consultation

We responded to the latest FCA consultation paper CP19/25 on DB pension transfer advice which closed at the end of October 2019. Here we look at what we said in our response. more...

Investment commentary for Financial Advisers and Paraplanners - Royal London: Making sure Pensions Dashboard does what it’s supposed to

Ian Macintyre, Proposition Strategy & Insight Manager, considers how the opportunities the functionality of the dashboard could bring may mean its original purpose is forgotten. more...

Business management for Financial Advisers and Paraplanners - Royal London: Putting a number on the value of advice

We recently worked with the International Longevity Centre to put a number on how much financial advice is worth to those who receive it. Our distribution director, Tom Dunbar, looks at the findings. more...

Protection News for Financial Advisers and Paraplanners - Royal London: Understanding the value of family income benefit

A closer look at using the affordable protection solution. Do you have clients who need critical illness cover but they're put off by cost? Having cover that pays out an income rather than a lump sum could be the solution. more...

Protection News for Financial Advisers and Paraplanners - Royal London: Why support services can be more valuable than a pay-out

Support services available through protection plans can offer your clients something they might not expect and could help you build long-term trusting client relationships. more...

Protection News for Financial Advisers and Paraplanners - Royal London: Could your self-employed clients use the difference in National Insurance contributions to help buy a protection plan?

If a client is self-employed, they won't be able to rely on common employer benefits such as death-in-service cover or sick pay. more...

Protection News for Financial Advisers and Paraplanners - Royal London: Could your self-employed clients use the difference in National Insurance contributions to help buy a protection plan?

If a client is self-employed, they won't be able to rely on common employer benefits such as death-in-service cover or sick pay. more...

Protection news for Financial Advisers and Paraplanners - Royal London: Why support services can be more valuable than a pay-out

Support services available through protection plans can offer your clients something they might not expect and could help you build long-term trusting client relationships. more...

Protection News for Financial Advisers and Paraplanners - Royal London Webinar: Take a closer look at our Diabetes Life Cover

Please join us from 2pm to 3pm on Wednesday 23 October for our next protection webinar to learn more about the features and benefits of our Diabetes Life Cover. more...

Investment news for Financial Advisers and Paraplanners - Royal London: What is sustainable investing?

Sustainable investing is based on a simple premise - owners and managers of capital, whether that’s equity or debt, can positively influence society by prioritising investment in companies that are helping move to a cleaner, healthier, more inclusive society. more...

Pension news for Financial Advisers and Paraplanners - Royal London: We’ve enhanced our mobile app

Depending on what kind of phone they have, customers will now be able to use fingerprint or face recognition to login quickly and easily. more...

Protection news for Financial Advisers & Paraplanners - Royal London: Join our webinar to discover how our income protection works

Please join us from 10am to 11am on Wednesday 28 August for our next webinar on income protection. more...

Investment News for Financial Advisers and Paraplanners - Royal London: Investment Clock.

Watch Trevor Greetham’s latest update and read the report on the movement of the Investment Clock. more...

Pension news for Financial Advisers and Paraplanners - Royal London: Children's pension

Steve Webb writes about the potential benefits of contributing into an adult son or daughter’s pension. more...

Protection news for Financial Advisers & Paraplanners - Royal London: State of the Protection Nation 2019 – the road ahead

Now in its third year, our State of the Protection Nation report tracks adviser confidence in the protection market as well as consumer awareness and perceptions. more...

Tax, trusts and ISA News for Financial Advisers and Paraplanners - Royal London: Life cover for life

When someone mentions whole of life plans, most people will think of a niche product that serves as an inheritance tax (IHT) planning tool for high net worth clients more...

Protection news for Financial Advisers & Paraplanners - Royal london: A personal and supportive claims experience

If your clients are thinking about taking out protection, they’ll want to trust that their plan will pay out if they ever need to make a claim. more...

Protection news for Financial Advisers & Paraplanners - Royal London market update

Read the latest market update from Royal London more...

Regulation news for Financial advisers and Paraplanners - Royal London: What to do when someone dies

We created a step-by-step guide to help your clients through what they need to do when someone dies. more...

Protection video for Financial Advisers & Paraplanners - Royal London: Everyone’s different

At Royal London, we understand everyone’s unique. That’s why our protection proposition isn’t ‘one size fits all’ more...

Protection news for Financial Advisers & Paraplanners - Royal London: Everyone's different

We’re committed to helping you build strong, lasting relationships with your clients. more...

Investment news for Financial Advisers & Paraplanners - Royal London market update

Read the latest market update from Royal London more...

Protection webinar for Financial Advisers & Paraplanners - Royal London: Lifetime Allowance Webinar

Join Fiona Hanrahan and Jim Grant as they host a webinar master-class on the lifetime allowance on Thursday 20 June. more...

Protection news from Financial Advisers & Paraplanners - Royal London: Everyone’s different

At Royal London, we understand everyone’s unique. That’s why our protection proposition isn’t ‘one size fits all’. more...

Pensions News for Financial Advisers and Paraplanners - Royal London: Reaching age 75: our top five frequently asked questions

We look at reaching age 75 in the latest in our series of top five FAQs on pensions technical topics. more...

Pension news for Financial Adviser and Paraplanners - Royal London: Finances and finding ‘the one’ later in life

We look at how a change in relationship status later in life can impact financial planning for your clients. more...

Protection news for Financial Advisers and Paraplanners - Royal London: The marketing studio – helping you make the case for protection

At Royal London we aim to give you marketing material full of powerful arguments to help you make the case for protection, develop your client base and increase referrals. That’s why we built the marketing studio specifically for advisers. more...

Protection news for Financial Advisers and Paraplanners - Royal London: Giving you and your clients more choice

Losing an income due to an illness or injury is one of the biggest risks your clients will face. Having a flexible approach to income protection could help you provide the right cover at the right price. more...

Protection news for Financial Advisers and Paraplanners - Royal London: Our change could help make the income protection sale easier

Our new 5-year term for income protection could make the product more desirable for some clients. more...

Protection news for Financial Advisers and Paraplanners - Royal London: Talk about trivial spending habits - better protection conversations

Part four of our 'Five top tips for better protection conversations' series - talking about trivial spending habits. In my last blog I talked about using different types of questions to gain a different type of answer. We can do this using more ‘open’ style questions when we require a more open style answer. more...

CPD update for Financial advisers and Paraplanners - Royal London: We’ve launched our Pension CPD hub

To help you meet the challenges of the Insurance Distribution Directive (IDD) - which requires everyone selling insurance to do at least 15 CPD hours per year - we’ve created a CPD hub. more...

Investment news from Financial Advisers & Paraplanners - Royal London: Diversification delivers

Royal London’s Governed Portfolios have reached their ten-year milestone. Lorna Blyth, Head of Investment Solutions, reflects on how diversification can deliver. more...

Pension news for Financial Advisers and Paraplanners - Royal London: British Steel Pension Scheme independent review

Justin Corliss looks at the recent independent review of the British Steel Pension Scheme restructure. more...

Retirement news for Financial Advisers & Paraplanners - Royal London: Trevor Greetham, Tactical Change

Trevor Greetham, Head of Multi Asset at Royal London Asset Management, has made a tactical change to the asset allocation of the Governed Portfolios (GPs) and Governed Retirement Income Portfolios (GRIPs). more...

Protection news from Financial Advisers & Paraplanners - Royal London: Protection CPD hub - A guide to wills, trusts and guardianship

To help you meet the challenges of the Insurance Distribution Directive (IDD) - which requires everyone selling insurance to do at least 15 CPD hours per year - we’ve created a CPD hub. Here you’ll find protection research, webinars and guides - all divided into bite sized chunks, so it’s easy to build up those valuable CPD hours. One of the modules you might be interested in is our guide to wills, trusts and guardianship. more...

Protection news for Financial Advisers & Paraplanners - Royal London: The importance of protecting a property portfolio - case study

Landlords - like any other business owner - need to make provision should the very worst happen, to protect their families and their lifestyle. more...

Pensions news for Financial Advisers & Paraplanners - Royal London: How sustainable income levels can protect portfolio strength

Taking a sustainable level of income is important in helping drawdown customers maintain a resilient portfolio during periods of investment volatility. more...

Protection news from Financial Advisers & Paraplanners - Royal London: Promote the value of your advice

When it comes to talking to your clients about protection, we know you can typically run into some obstacles along the way. One of the common objections you might come up against is that your clients think it’s easier and cheaper to go online and do it themselves. more...

Protection news for Financial Advisers and Paraplanners - Royal London: Protection CPD hub - The importance of business protection

To help you meet the challenges of the Insurance Distribution Directive (IDD) - which requires everyone selling insurance to do at least 15 CPD hours per year - we’ve created a CPD hub. more...

Protection News for Financial Adviser and Paraplanners - Royal London: Three new opportunities in the protection market – they’re not what you think!

What’s the news in protection? On the surface you could be forgiven for thinking there isn’t anything new, that protection is still generally being overlooked and undervalued. more...

Protection news for Financial Advisers & Paraplanners - Royal London: Cancer cover where it matters

Critical illness definitions to cover early forms of cancer. Cancer is the single biggest critical illness risk we all face. Cancer Research UK estimates that one in two people in the UK born after 1960 will be diagnosed with cancer during their lifetime*. more...

Protection news for Financial Advisers & Paraplanners - Royal London: We’ve improved your online dashboard

We’ve introduced some new features to our online journey so you can see where your applications are in the process. more...

Regulation News for Financal advisers and Paraplanners - Royal London: Increasing the Financial Ombudsman Service (FOS) award limits

Find out how we responded to the FCA consultation on increasing the FOS compensation limits. The FCA consultation CP18/31 on ‘Increasing the award limit for the Financial Ombudsman Service’ closed on 21 December 2018. more...

Investment News for Financial Advisers and Paraplanners - Diversification delivers

Royal London’s Governed Portfolios have reached their ten-year milestone. Lorna Blyth, Head of Investment Solutions, reflects on how diversification can deliver. more...

Retirement news for Financial Advisers & Paraplanners - Royal London: Steve Webb - How long does your client’s money need to last?

Helping your clients manage their money in retirement would be a lot easier if we, or they, knew how long they were likely to live. In a world where buying a secure income has become less common, having a realistic picture of their life expectancy and the possible range around that average figure is even more important. And while this can sometimes be a difficult issue to raise with clients, there are some important pointers that could help them avoid some of the pitfalls when thinking about life expectancy. more...

Investment news for Financial Advisers and Paraplanners - Royal London: A decade of delivering - our multi asset Governed Portfolios turn ten

We’re celebrating a decade of delivering for your clients throughout stormy market conditions. Our Governed Portfolios have a proven ten-year track record of delivering strong performance, governance and risk management. more...

Protection news for Financial Advisers & Paraplanners - The 'Dos and 'don'ts' of debt - talk - Royal London

“Blue Monday” is the third Monday of January, so-called because it is meant to be the most depressing day of the year. This is due to a combination of factors – but one of these factors is post-Christmas debt levels – they tend to be higher than at other times of year. more...

Retirement news for Financial Advisers & Paraplanners - Royal London: Paying lifetime and annual allowance tax charges isnt always a bad thing - Royal London

Find out how paying annual and lifetime allowance tax charges can still make your clients better off in retirement. more...

Technology update for Financial Advisers & Paraplanners - Royal London comments on the one-year anniversary of open banking

Commenting on the one-year anniversary of “Open Banking”, which fell on Sunday January 13, Becky O’Connor, personal finance specialist at Royal London, says: more...

Pension news for Financial Advisers and Paraplanners - Royal London: Steve Webb looks back at 2018 in pensions

From DB transfers to Brexit: Steve Webb considers the big stories in pensions from the last 12 months. more...

Protection news for advisers and paraplanners - Royal London: The state will provide, won’t it?

“I don’t need it” is probably a common objection you hear when talking to your clients about income protection. But unless they’ve built up substantial savings, how would they expect to replace their income if they were unable to work through illness or injury? more...

Protection news for Financial Advisers and Paraplanners - Royal London: Income Protection when it matters most

Protecting against injury or illness should be right at the top of a client’s list when it comes to protection. But despite it covering the biggest risk, income protection still isn’t bought as often as life cover or critical illness cover. more...

Protection news for advisers and paraplanners - Royal London: New online service features to support you

We’re committed to making it even easier to do business with us. That’s why we’ve introduced some new features to our online service: more...

Protection news for Financial Advisers and Paraplanners - Royal London: Thank you to all advisers who voted to give us a five star service rating in this year’s Financial Adviser Service Awards. Our fifth year in a row!

Thank you to all advisers who voted to give us a five star service rating in this year’s Financial Adviser Service Awards. Our fifth year in a row! more...

Investment news for Financial Advisers and Paraplanners - Join Royal London for an investment webinar on Thursday 6 December

Please join Royal London from 3.00pm - 3.45pm on Thursday, 6 December 2018 for a quarterly update from Head of Multi Asset at Royal London Asset Management (RLAM), Trevor Greetham. more...

Protection news for Financial Advisers and Paraplanners - Royal London: Protection for your clients’ biggest risks

Being off work because of an illness or injury is one of the biggest risks your clients face. And it could have a devastating impact on their lives. more...

Protection news for Financial Advisers and Paraplanners - Royal London: Join us for a webinar on pensions and divorce

Did you know 42% of UK marriages end in divorce? Find out why it’s a hot topic in the world of pensions Join Clare Moffat, Head of Business Development at Royal London as she hosts a webinar on Pensions and Divorce on Monday 12 November. more...

Protection news for Financial Advisers and Paraplanners - Royal London: Death benefits: our top five frequently asked questions

We’re often asked about death benefits and thought we’d share our top 5 most frequently asked questions. more...

Pensions news for Financial Advisers and Paraplanners - Royal London: Older workers represent huge talent pool for employers

Pensions Specialist Helen Morrissey looks at the shift in the typical retirement age shown in the recent UK Labour market statistics. more...

Protection news for Financial advisers and Paraplanners - Royal London: Protecting clients against their biggest risks

It could be argued that traditionally a go-to protection policy would include life cover with a bit of critical illness cover – after all these are the products most people are familiar with. more...

Pensions news for Financial Advisers and Paraplanners - Royal London: Is there a safe harbour in the triage storm?

Steve Webb looks at how advisers differ in their approach to pension transfer and whether there's a need for standardisation. more...

Pension news for Financial Advisers and Paraplanners - Royal London: Helping trustees with DB transfers

Our policy paper helps pension trustees steer the right course in a world of large-scale DB pension transfers. Few issues divide the pensions’ world like transfers from defined benefit (DB) to defined contribution (DC) schemes. more...

Pensions news for Financial Advisers and Paraplanners - Royal London: Older workers represent huge talent pool for employers

Pensions Specialist Helen Morrissey looks at the shift in the typical retirement age shown in the recent UK Labour market statistics. more...

Retirement news for financial advisers and paraplanners - Royal London: Keeping on top of state benefit changes

Most people assume the government will take care of them and their families if they die or become too ill to work, but this isn’t always the case. Revisions to state benefits over the past couple of years have made the financial safety net less robust than before. more...

Protection news for Financial advisers and Paraplanners - Royal London: Just the job - Our Income Protection is tuned to your clients' needs

Being off work because of an illness or injury is one of the biggest risks your clients face. That’s why we’ve updated our Income Protection to meet more of your clients’ needs. more...

Pensions news for Financial Advisers and Paraplanners - Royal London: Automatic enrolment contributions are increasing

Read more about these changes and how we’re supporting employers and their members. more...

Pensions news for Financial Advisers and Paraplanners - Royal London: ONS statistics show there are important lessons still to be learned about pensions.

Helen Morrissey digests the recent ONS insights into workplace pensions and how advisers can help. more...

Pensions news for Financial Advisers and Paraplanners - Royal London: Could your clients fall into the taper trap?

Jim Grant looks at how the tapered annual allowance could affect your clients with higher incomes. more...

Investment news for Financial Advisers and Paraplanners - Royal London Asset Management Tactical Change – 16 August 2018

Trevor Greetham, Head of Multi Asset at Royal London Asset Management, has made a tactical change to the asset allocation of the Governed Portfolios (GPs) and Governed Retirement Income Portfolios (GRIPs). more...

Protection news for Financial advisers and Paraplanners - Royal London: Diabetes Life Cover helps your clients take control

When you have a client with diabetes, finding cover that meets their needs and budget can be difficult. more...

Protection news for Financial advisers and Paraplannerstion - Royal London: We’ve improved a number of our occupation classes

We’re continually reviewing our products to make sure you can offer protection to more of your clients. more...

Protection news for Financial advisers and Paraplanners - Royal London: Industry needs to do more to tackle misconceptions around protection

Commenting on the ONS’s Wealth and Assets Survey which found that 48% of people aged 16 to 24 said that they would not be able to make ends meet for longer than one month if they lost the main source of income coming into their household. more...

Investment news for Financial advisers and paraplanners - Royal London: Mike Fox considers why sustainable investments are making it to the top of the agenda.

Take yourself back to 2003. Arsenal won the Premier League undefeated with ‘The Invincibles’, Westlife topped the charts and Tony Blair was Prime Minister. This was also the year when the current management team of the Royal London sustainable funds took over. And, like the football tables, pop charts and politics, much has changed since then. more...

Protection news for advisers and paraplanners - Royal London: We’ve improved a number of our occupation classes

We’re continually reviewing our products to make sure you can offer protection to more of your clients. more...

Retirement News for Financial Advisers and Paraplanners - Royal London: FCA Retirement Outcomes Review final report and consultation

On 28 June the FCA released the Retirement Outcomes Review (ROR) final report along with a consultation paper CP18/17, looking for feedback on the proposed changes. more...

Protection news for Financial Advisers Advisers and Paraplanners - Royal London: Life with type 1 diabetes

When I turned 18 I expected the months that followed to be filled with the stress of exams, what was I going to do after high school, and of course, most importantly for any 18 year old, enjoying reaching the legal drinking age. I never imagined they would actually be spent adjusting to being diagnosed with a lifelong condition. more...

Protection news for advisers and paraplanners - Royal London: Your clients can get Diabetes Life Cover in less than 30 minutes

An estimated five million people in the UK will have diabetes by 2025.* So chances are you’ll come across clients with this condition in the future. more...

Protection news for advisers and paraplanners - Royal London: Diabetes Life Cover helps your clients take control

When you have a client with diabetes, finding cover that meets their needs and budget can be difficult. That’s why we’ve launched Diabetes Life Cover – it’s designed specifically for people with type 1 and type 2 diabetes, who may have found it difficult to get affordable cover in the past. more...

Protection news for advisers and paraplanners - Royal London: Reducing the number of declined claims 

At Royal London we want to pay as many claims as possible, but it’s impossible to say we’ll always pay 100% due to misrepresentation or clients not meeting our definitions. more...

Pension news for Financial Advisers and Paraplanners - Royal London: Five reasons why you might put pension death benefits into trust

Death benefit freedoms mean that clients in a fully flexible scheme can pass on their pensions to anyone. However, in some situations expressing a wish or nominating individuals might be problematic. Another tool to have in the pensions planning toolkit is for the death benefits to go into trust (this is sometimes known as a spousal bypass trust). The trust receives a lump sum death benefit from the pension scheme and then the trustees administer it. more...

Investment news for Financial Advisers and Paraplanners - Royal London: Investment Viewpoint: June 2018

Khalid Khan, Investment Proposition Manager, introduces our Sustainable Fund Range that’s now available to Royal London customers. more...

Investment News for Financial Advisers and Paraplanners - Royal London: It’s not rocket science

At Royal London we think applying for protection should be quick and easy. So we continually review and update our online service to make sure it’s as straightforward as possible. more...

Pension news for Financial Advisers and Paraplanners - Sustainable funds now available for Royal London pension customers

Royal London pension customers can now access a range of sustainable funds managed by Royal London Asset Management at no extra cost through their workplace and individual pension plans. more...

Protection news for Financial Advisers and Paraplanners - Royal London: Diabetes Life Cover helps your clients take control

When you have a client with diabetes, finding cover that meets their needs and budget can be difficult. more...

Protection news for Financial Advisers and Paraplanners - Royal London: State of the Protection Nation 2018

Our second State of the Protection Nationreport is now available to download. more...

Investment commentary for Financial Adviser and Paraplanners - Royal London: Investment Viewpoint: May 2018

Niall Aitken, Investment Actuary, explains how we manage risk in our Governed Retirement Income Portfolios (GRIPs). more...

Retirement news for Financial Advisers and Paraplanners - Royal London: Retirement planning for future generations

We look at how your clients can start saving for their children and grandchildren’s retirement. more...

Investment news for Financial Advisers and Paraplanners - Royal London: Multi asset investing and the Governed Range

Quarterly update from Head of Multi Asset at Royal London Asset Management (RLAM), Trevor Greetham more...

Pensions news for Financal advisers and Paraplaners - Royal London: Investment Viewpoint: April 2018

Two years on from the launch of our Drawdown Governance Service, Lorna Blyth, Head of Investment Solutions, reflects on drawdown trends and safe withdrawal rates. more...

Pension news for Financial Advisers and Paraplanners - Royal London: What does value for money in a DC default look like?

The phrase ‘value for money’ is fast becoming a favourite phrase of the pensions industry. The regulator sees 'value for money' as a key outcome for workplace pension members and as a result both providers and Independent Governance Committees (IGCs) are keen to evidence it. But what is it and can it really be measured? more...

Pension news for Financial Advisers and Paraplanners - New ONS stats on workplace pensions - ‘the champagne needs to be put on ice’ - Steve Webb, Royal London

It is great news that nearly ten million extra workers are now saving in a pension because of automatic enrolment, and particularly encouraging that the youngest workers have seen the sharpest rise in membership. But these figures show that the champagne needs to be put on ice. more...

GDPR update for Financial Advisers and Paraplanners - Royal London: We're getting ready for the General Data Protection Regulation (GDPR)

The new GDPR rules come into effect on 25 May 2018 and aim to strengthen data protection for customers, giving them more control over their personal information. more...

Protection news for Financial Advisers and Paraplanners - Royal London: Our online service gives you more visibility

Our ‘send to client’ feature lets you see exactly what stage your online applications are at. This means even when you send an application to your client to complete medical details, you remain in control. more...

Protection news for Financial Advisers and Paraplanners - Royal London: Affordability calculator

Our affordability calculator is designed to help you assess your client's affordability and the level of cover they require. more...

Pension news for Financial Advisers & Paraplanners - Royal London: Why it can be worth getting to grips with the new state pension

When the new state pension was introduced in 2016, the goal was to create a much simpler system. When the new scheme is fully up and running, people who have a combination of paid National Insurance contributions and/or NI credits for 35 years of their working life will get the full flat rate pension, currently worth a little over £8,500 per year . more...

Trust news for Financial Advisers and Paraplanners - Royal London: Trusts – Setting up a trust is easier than you think

We introduced our new online trust service make it easier for you to write your clients’ protection plans in trust. more...

Pension news for Financial Advisers and Paraplanners - Royal London: Our workplace pension aims for exceptional, without exception

We know it’s good to provide a good workplace pension solution. But we aim to offer a brilliant one. That’s why we choose to focus on four key areas. more...

Pension news for Financial Advisers and Paraplanners - Royal London: Steve Webb: What to expect from April's contributions increase

Our latest policy paper looks at the potential impact of the upcoming statutory phasing increase, and how to help your clients. The first phase of automatic enrolment has been a huge success. One million employers have automatically enrolled around nine million workers into a workplace pension. more...

Protection news for Financial Advisers and Paraplanners - Royal London: Protection that changes with your clients?

At Royal London, no matter where someone is in their lives, their cover can change with them. And now they’ve updated their Menu Plan to make it even more flexible. more...

Retirement news for Financial Advisers and Paraplanners - Royal London: We’ve notched up one million Governed Range customers, and counting

Our Governed Range has more than £23billion* of assets under management and is a great all-rounder, offering investment solutions to suit wherever your client is on their retirement journey. more...

Pensions Comment for Financial Advisers and Paraplanners - Steve Webb: is it time for the care pension?

Steve Webb offers a potential solution to the issue of funding long-term care, by asking whether it’s time for the ‘care pension’. more...

Pensions news for Financial Advisers and Paraplanners - Royal London: What's next for workplace pensions? 

Watch Akademia’s new video where Jamie Clark of Royal London discusses the opportunities the workplace pensions market represents and what can happen when things go wrong. more...

Protection news for Financial Advisers & Paraplanners - Royal London have upgraded their Review Service

Royal London’s Review Service is designed to deliver real support to your ongoing client conversations. To make sure that’s happening, they’re always listening to adviser feedback. And, as proof of this, they’re rolling out some new features. more...

Protection news for Financial Advisers and Paraplanners - New HMRC figures show cause of women's pension equality 'set back a generation' - Royal London

New figures published today (Wednesday 28th February) by HMRC suggest that tens of thousands of mothers with young children could face a permanently reduced state pension because of changes to the Child Benefit system introduced in 2013 for higher income couples. Those affected are families who either opted out of Child Benefit when the rules changed or who have started a new family since 2013 and decided not to claim Child Benefit in the first place. Today’s figures show that the number of families receiving child benefit is 7.38 million compared with 7.92 million in 2012, just before the rules changed. more...

Protection news for Financial Advisers & Paraplanners - Royal London: A quick and easy online service for you and your clients

At Royal London we want to make applying for protection straightforward. So we continually review and update our online service to make sure it’s a doddle for you and your clients to use. more...

Protection news for Financial Advisers and Paraplanners - Royal London: Cover that matters for clients and their families

Children's critical illness is more common than you might think - it's consistently one of the top five reasons our customers make a claim. more...

Protection news for Financial Advisers and Paraplanners - Royal London: Starting to buy the Donald Dip

US stock market volatility continues to spike higher as the strongest wage inflation in the US since 2009 triggered fears of faster than expected rises in interest rates. While Donald Trump’s White House has correctly pointed to strong economic fundamentals as a more important long term story and the role of the tax cuts in driving this, they’ve failed to appreciate the impact that their policies could have on inflation, and therefore the path of interest rates. more...

Pensions update for Financial Advisers and Paraplanners - Royal London: Government changes to auto enrolment

Proposals to change the way auto enrolment works have been published by the Department for Work and Pensions. more...

Protection news for Financial Advisers and Paraplanners - Royal London: Run for Cover

To help raise awareness around the need for personal protection, we’ve developed an online game called Run for Cover. It aims to get people thinking about how they’d react to some of life’s surprises, both positive as well as negative. By doing so it helps to introduce the idea that a protection plan could provide a financial cushion to support them. more...

Protection news for Financial Advisers and Paraplanners - Royal London's most comprehensive Children's Critical Illness Cover yet

When your clients take out Critical Illness Cover with Royal London, they can now choose a level of Children’s Critical Illness Cover to meet their needs and budget. more...

Protection news for Financial Advisers and Paraplanners - Royal London: Have we got our protection priorities all wrong?

At Royal London, we have a tool on our adviser website that shows the relative risks of death, critical illness, or being unable to work due to incapacity. We measure these risks using the age and gender of the client and over a period of time prescribed by the adviser. In other words, we make it personal. more...

Pensions update for Financial Advisers and Paraplanners - The Future of the State Pension

The state pension system in the UK has undergone a series of changes since it was introduced in its modern form after the Second World War. Some of the biggest changes have been around the addition of earnings-related elements on top of the basic pension. more...

Pensions news for Financial Advisers and Paraplanners - Royal London: The Future of the State Pension

The state pension system in the UK has undergone a series of changes since it was introduced in its modern form after the Second World War. Some of the biggest changes have been around the addition of earnings-related elements on top of the basic pension. Back in 1961 we saw the creation of the ‘graduated retirement benefit’ which was followed in 1978 by the much more generous state earnings related pension scheme (SERPS) and then in 2002 by the ‘state second pension’ which focused more help on lower earners. Finally, in 2016, the whole thing was consolidated back into a ‘single tier’ flat rate pension, similar in many respects to the original Beveridge vision back in 1948. more...

Protection news for Financial Advisers and Paraplanners - Royal London: Government response on funeral payment fund falls short

In a written statement on Funeral Expenses Payments today, the Government has announced the following changes: Money raised to help with funeral costs from other sources such as, crowdfunding or charities, will no longer be taken into account when working out how much grant to award the claimant. The time period to apply for the funeral fund has been extended from three months to six months from the funeral date; Evidence to support the application for the fund can be submitted electronically. more...

Protection and Pension news for Financial Advisers and Paraplanners - New FOI reply reveals 97% of eligible carers do not claim 'carer's credit' - Royal London

A scheme designed to help carers of disabled people build better state pension entitlement has failed to reach 97% of its target group, according to a new Freedom of Information reply from DWP obtained by mutual insurer Royal London. The FOI reply indicates that just 3,524 people claimed the national insurance credit in 2016/17, compared with an earlier DWP estimate when the scheme was introduced that 160,000 carers could benefit. more...

Investment news for Financial Advisers & Paraplannerse - Royal London: Navigating market risks in 2019

Trevor Greetham looks ahead to 2019 when it comes to investments. more...

Protection news for Financial Advisers and Paraplanners - Royal London introduces signature free consent form for claims

Royal London has developed an electronic signature solution to speed up the payment of claims. The new process introduces an electronic Access to Medical Records Act (AMRA) declaration using DocuSign technology that can be completed by a claimant online removing the need for a traditional ‘wet’ signature on a paper claim form. more...

Pensions news for Financial Advisers and Paraplanners - Royal London: Minister urged to allow low-paid to share in benefits of salary exchange for pensions

Mutual insurer Royal London and Southampton-based IFA firm Radcliffe & Co have joined forces to call for changes to the rules around salary exchange for pensions to the benefit of low-paid workers. more...

Pensions news for Financial Advisers and Paraplanners - Royal London: Why we think pensions dashboard is good for advisers

Last week the government announced the pensions dashboard project will go ahead under the DWP. With this move comes new momentum, making the idea of your clients being able to view all their pension savings in one place feel closer to reality. more...

Pension news for Financial advisers and paraplanners - Royal London: Pensions Through the Ages - The Millennial Mosaic’

The Millennial Mosaic Pensions Through The Ages 2 For the report,Pensions Through the Ages: The Millennial Mosaic, Royal London conducted research among 1,500 millennials (aged 25 - 34) to understand the key influences on millennials’ future long-term pension savings. For many in this group the introduction of automatic enrolment in the last five years would be potentially the first time they have secured a pension through employment. The research identifies some of the lifestyles, life stages and issues millennials face and the impact of government pension policy on their engagement with pension planning. more...

Investment news for Financial Advisers and Paraplanners - Royal London: ECB QE looks set to continue for some time

Commenting on today’s ECB announcement, Paul Rayner, Head of Government Bonds at Royal London Asset Management, said: “Those expecting a more radical announcement from the ECB or a stronger reaction from markets will have been disappointed, the rally in bond markets was as much down to technical factors from previous bouts of selling as any overly dovish tones from the press statement and following conference. Periphery markets did get a slightly more meaningful boost, perhaps due to concerns that the supply of German bunds available to the ECB might begin to run dry. more...

Protection news for Financial Advisers and Paraplanners - Royal London: Our Income Protection gives your clients support to get back to work

Did you know that the average payment period for an Income Protection claim is 5 years, 2 months*? more...

Our GRIPs turn 5

more...

Protection news for Financial Advisers and Paraplanners - Royal london: New listing category for sovereign-controlled firms is unnecessary

Commenting on the FCA Consultation , Ashley Hamilton Claxton, Corporate Governance Manager at Royal London Asset Management, said more...

Investment News for Financial Advisers and Paraplanners - RLAM expands equity offering with launch of two new global equity funds

Royal London Asset Management (RLAM) announces the launch of a pair of new global equity funds. Both funds are aimed at wholesale and institutional investors and will be managed by Head of Global Equities Peter Rutter, along with Will Kenney and James Clarke. Overall, RLAM manages £33bn of UK and overseas equities. The global equity team joined RLAM at the beginning of the year and manages global equities mandates on behalf of both the Royal London group and third parties. more...

Pension & Mortgage news for Financial Advisers and Paraplanners - Royal London: 65,000 pensioners face losing mortgage help unless they take out second mortgage with the government

Thousands of low income pensioners and working age benefit claimants have started to receive official letters warning that the help they receive with their mortgages will end in April 2018 unless they sign up to a second mortgage with the government. But the letters are not clear about the interest rate on the loan and recipients are getting little help with this decision according to mutual insurer, Royal London. If they fail to comply they will lose help with their mortgage and could face repossession if they get into arrears as a result. more...

Investment news for Financial Advisers and Paraplanners - RLAM announces the largest ever launch of a UK property fund

Royal London Asset Management announces the largest ever launch of a UK property fund, worth over £2.7 billon. The Royal London UK Real Estate Fund (RLUKREF) invests in UK commercial property across all major sectors (industrials, offices, retail warehouses, shopping centres) and regions and is designed to provide domestic and foreign institutional investors exposure to the UK commercial real estate market. more...

Retirement news for Financial Advisers and Paraplanners - Risk targeted governed retirement income portfolios prove their resilience at five-year anniversary

Royal London Governed Retirement Income Portfolios (GRIPs) have reached their five year anniversary with all five GRIPs demonstrating a track record of being able to deliver above benchmark returns over what has been a turbulent five years for investment markets. Despite market fluctuations caused by the US elections, Brexit, Chinese currency devaluation and a range of geopolitical risks, all five portfolios have outperformed against their respective benchmark over the five year period, delivering an average return of between 5.6-10.7% pa, net of a 1.00% charge.* more...

Protection news for Financial Advisers and Paraplanners - Royal London: Just the job – our income protection is tuned to your clients’ needs

Being off work because of an illness or injury is one of the biggest risks your clients face. So we’ve improved our Income Protection to better meet your clients’ needs. more...

Protection news for Financial Advisers and Paraplanners - Royal London: Hawkish BoE sends gilt yields rocketing

Commenting on today’s Bank of England meeting, Craig Inches, Head of Short Rates and Cash at Royal London Asset Management said: “The Bank of England’s latest decision on interest rates arrived totally in line with market expectations, with just two dissenting hawks and no changes on quantitative easing. Despite this, the Bank unsettled markets, as their hawkish comments seemed to be paving the way for a November rate rise, assuming economic data does not disappoint. more...

Protection news for Financial Advisers and Paraplanners - Royal London: Oliver’s story

When Oliver was diagnosed with Leukaemia, his mum and dad’s world was turned upside down. Because they had life insurance with Royal London they were able to use Helping Hand – a personal support service. more...

Protection news for Financial advisers and paraplanners - Royal London: Review Service – Easy to use

Our new Review Service is designed to put more power in your hands. In just a few simple steps, you can show your clients exactly how their savings are doing – and what their future could look like. more...

Protection news for Financial Advisers and Paraplanners - Royal London: A tailored approach to protection

An adviser who recommends life cover but no critical illness cover could, for example, find themselves with some awkward questions to answer if their client developed a critical illness. Ian Smart looks at the benefits of menu protection in his blog A Tailored Approach to Protection. more...

Protection news for Financial Advisers and Paraplanners - Royal London: Protection for the loss of a key employee

Most businesses make sure their assets are covered against the effects of fire or theft. But what about that other core asset - people? The absence of a key employee could damage a business in a number of ways. In a moment it could lose key skills, experience and contacts. more...

Protection news for Financial Advisers and Paraplanners - Royal London: Protection that works for your self-employed clients

For many of your clients, their income is the most valuable thing they have. And this is especially true if they’re self-employed and can’t rely on an employer’s sick pay. Having Income Protection in place could be a realistic alternative to help protect the loss of income if they’re unable to work through illness or injury. more...

Protection news for advisers - Royal London: Reassuringly focused on claims

We know that claims figures can be a great way to dispel some of the myths around providers paying out at claim time.  That’s why we’re pleased to report another strong set of results again this year. more...

Retirement news for Financial Advisers and Paraplanners - Royal London: Are client reviews stealing your time? Let us come to the rescue

Our new Review Service is designed to put more power in your hands. In a few simple steps, you can show your clients exactly how their savings are doing - and what their future could look like. more...

Protection news for Financial Advisers and Paraplanners - Royal London: Affordable Income Protection

Our menu plan lets you tailor client’s benefits to their specific needs within an agreed budget. You can apply for different types of cover, different sums assured, have different terms and even cover different people all within the same arrangement. more...

Protection news for Financial Advisers and Paraplanners - Royal London: Flexible menu plan packages to suit your clients' needs

No matter where someone is in their lives, our cover can change with them. more...

Retirement news for Financial Advisers and Paraplanners - Royal London: White Paper - Exploring the retirement challenges facing future generations

Our new research has found huge variations in retirement outcomes for future generations based on the choices they make in a world of Defined Contribution saving. more...

Partner webinar for Financial Advisers and Paraplanners - Royal London: Multi Asset Webinar – Trevor Greetham discusses Governed Range

Please join us from 3.00pm - 3.45pm on Thursday, 29 June 2017 for a webinar. What will you learn? • An update on investment markets • Opportunities in uncertain times • Our tactical strategy and latest position on the Investment Clock. more...

Tax update for Financial Advisers and Paraplanners - Royal london: Trusts are more versatile than you think

We want to make trusts as easy as possible for you, by taking away some of the misconceptions around what you can use them for and when you can use them. In doing this, we’re helping you do the right thing for your clients and making it easier for you to do business with us. more...

Protection news for Financial Adviser and Paraplanners - Royal London: Our adviser commitments

At Royal London, we believe customers enjoy better financial futures when advisers and providers work together. more...

Protection news for Financial Advisers and Paraplanners - Royal London: Helping Hand – A little extra support

Helping Hand is a comprehensive support service from Royal London that’s available to your clients from the day their plan starts. Check out this short video where Denise Wond, Marketing Manager, gives you more information. more...

Protection news for Financial Adviser and Paraplanners - Royal London: Mental health in the mainstream

Apart from career success, millions in the bank and, on appearance, coveted lifestyles, what else do Rio Ferdinand, Lady Gaga and Ellie Goulding all have in common?  They’ve all demonstrated that the power of celebrity can sometimes have a more altruistic purpose than idle gossip. more...

Pensions news for Financial Advisers and Paraplanners - Royal London: What triggers the MPAA?

There’s sometimes confusion around what triggers the money purchase annual allowance. Find out what does and what doesn’t trigger the MPAA. more...

Protection news for Financial Advisers and Paraplanners - Royal London: Stand out from the crowd – give your clients a helping hand

Good protection is about more than money. That’s why when you recommend cover with us your clients get Helping Hand. more...

Retirement video for Financial Advsier and Paraplanners - Royal London: Sustainable income

Watch the first Royal London sponsored Akademia CPD video on income sustainability. more...

retirement news for advisers and Paraplanners - Royal London: Everyone likes a little boost

We’ve given our customers’ retirement savings a little boost. more...

Marketing news for Financial Advisers and Paraplanners - Royal London: Bespoke marketing material

Our Tailored Marketing Solutions gives you a wide range of marketing material to help make the protection sale easier. There are sales aids and forms that you can personalise with your own logo which will demonstrate the real benefit of owning a protection plan. more...

Investment webinar for Financial Advisers and Paraplanners - Royal London: Investment webinar with Trevor Greetham

Please join us from 3.00pm - 3.45pm on Thursday, 30 March 2017 for a webinar. Multi asset investing and the Governed Range The continued fallout from Brexit and the US election has increased political risk and is likely to create bouts of negativity in 2017. However, heightened risk can present opportunities to buy market dips. more...

Spring budget for Financial Advisers and Paraplanners - Royal London: How will the Budget affect you and your clients?

Philip Hammond delivered his first and last Spring Budget on Wednesday 8 March 2017. Although the measures affecting private pension scheme and protection planning provisions weren’t nearly as profound as recent years, there are still a number of important changes. more...

Potection news for Financial Advisers and Paraplanners - Royal London: Trusts. Easier than you think?

Protection providers often extol the benefits of placing plans in trust. The advantages for clients are widely recognised and numerous – inheritance tax mitigation, avoiding probate delay, controlling claim proceeds, and so the long, familiar list continues. Yet, dismissed as unnecessary form-filling, or simply viewed as irrelevant in the context of a mortgage sale, less than 5% of our personal protection plans are written in trust. more...

Protection news for Financial Advisers and Paraplanners - Royal London - approach letters

It’s the start of a new year, so why not revisit your client base to remind customers about their existing policies. Their needs may have changed which could be a protection opportunity for you. Why not take a look at our library of ready-made approach letters to help you? more...

Protection news for Financial Advisers and Paraplanners - Royal London: Choose life...

This month sees the return of Renton, Sickboy, Begbie and Spud in the sequel to the film Trainspotting. Just over 20 years later, we return to see exactly how life treated the characters whose lifestyle was less than ideal back in 1996. Did they choose a job, choose a career, choose a family…. or did life have other things planned for them? more...

Retirement news for Financial Advisers and Paraplanners - Royal London: Retirement Planning

We can help you find and recommend the right retirement solution for your clients. Our range of retirement planning tools will help you discuss your client’s options and define a working solution to meet their needs. more...

Pension webinar for Financial Advisers and Paraplanners - Royal London: Steve Webb webinar - Pension landscape 2017

Please join us from 09.30am – 10.30am on Thursday, 09 February 2017 for a webinar. Steve Webb, Director of Policy at Royal London will discuss the outlook for pensions in 2017 and update you on the latest research which Royal London has undertaken. Steve will discuss: more...

Protection news for Financial Advisers and Paraplanners - Royal London: Latest Investment Clock updates

Discover the latest movements of the Investment Clock and commentary on our positioning. The Investment Clock is a tactical asset allocation model used by Trevor Greetham, Head of Multi Asset at RLAM, to help guide tactical strategy. Trevor is recognised as the founder of the model we use today. more...

Protection news for Financial Advisers and Paraplanners - Royal London: Arranging a trust online is now available

We’ve made it easier to set up a trust with the launch of our new online trust service. Integrated with our existing online service, you can now put plans under trust online using e-signature technology. more...

Protection News for Financial Advisers and Paraplanners - Royal London: Rest assured we offer five star service

We're committed to making it easy to do business with us, so we're delighted that advisers have voted to give us a five star rating at the Financial Adviser Service Awards this year. more...

Protection news for Financial Advisers and Paraplanners - Royal London: Unconventional cover that helps your advice stand out

We know it’s important to do things differently. That’s why all our protection plans come with Helping Hand - our comprehensive support service – at no extra cost. more...

Autumn statement comment for Financial Advisers and Paraplanners - Royal London: Autumn statement

Cutting the money purchase annual allowance flies in the face of efforts to make retirement more flexible. As soon as someone draws any taxable income using the pension freedoms, the amount they can save in a money purchase pension would be slashed from £40,000 to £4,000. This will have a profound impact on their ability to go on working and contributing worthwhile amounts to a pension. Starting to draw taxable pension cash becomes even more of a cliff-edge than at present. We should be trying to make combining work and drawing a pension easier not harder. more...

Saving upates for Financial Advisers and Paraplanners - 'Feeling the Squeeze', Royal London asks advisers their views

Royal London carried out a UK wide survey with 2,500 consumers age 35-44 over the summer. The survey found that over a third, 34% said their finances felt Squeezed and so were struggling to meet day to day expenses, despite 87% being aware that they need to save more. However, the survey did also identify positive Savings Moments of Truth (MOTs) when some financial commitments such as car finance or nursery costs come to an end which could free up money to be used to save for retirement. To support the research with consumers we also wanted to find out what our advisers thought. more...

Protection News for Financial Advisers and Paraplanners - Royal London: Doing the right thing – why value-added services matter

More people than ever before are living with critical illnesses like cancer. And this will only increase as the years go on. In fact, the number of people currently living with cancer is expected to grow from 2.8 million to at least 4 million by 2030.* more...

Protection News for Financial Advisers and Paraplanners - Royal London: Embrace simplicity!

When I first took out critical illness cover, I was overwhelmed. It wasn’t just the form filling, it was finding out about the sheer number of illnesses I was covered for. Did it give me peace of mind that I was covered for neuromyelitis optica or systematic lupus erythematosus? Well, no it didn’t. I can’t even pronounce those conditions let alone know what they are. more...

Investment update for Financial Advisers and Paraplanners - Royal London: Life after the Brexit vote; how we’re positioning the Governed Range

Like the majority of the market the Governed Range was positioned for a “remain” vote. Instead sterling weakened, bonds yields fell to historic lows, equities went up with overseas outperforming UK, and a number of high profile property funds suspended trading. more...

Protection update for Financial Advisers and Paraplanners - Royal London: Conventional cover – That’s not our style

We know it’s important to do things differently. That's why we were the first to offer a nurse advice service with every plan. In times of ill health, Helping Hand gives your clients access to advice and support from a personal nurse adviser - even if they never make a claim. And now our nurse advisers have a wider range of services they can recommend if appropriate. more...

Protection News for Financial Advisers and Paraplanners - Royal London: Pension investment strategy - Are Target Date Funds the future for UK DC scheme members?

There are now more active savers in UK DC pension schemes than in DB pension schemes, according to recent stats from the Pensions Policy Institute. They also estimate that in just 15 years there could be as many as 17 million members enrolled in DC workplace pension schemes*. Based on current experience it is expected that typically around 80-90% of these members will ‘end up’ in default funds, which means for scheme managers and their advisers, ensuring that the investment default options available offer the most suitable investment option, is really important. more...

Protection News for Financial Advisers and Paraplanners - Royal London: Wider cover for your clients' biggest risk

We're committed to offering your clients cover where it matters - that's why we're focused on having some of the best definitions for the main reasons for a claim - cancer, heart attack, stroke, children's critical illness and multiple sclerosis. more...

Protection News for Financial Advisers and Paraplanners - Royal London: Flexible protection

With combinations that are as varied as your clients’ demands, our Personal Menu Plan has something to offer every client. more...

Protection News for Financial Advisers and Paraplanners - Royal London: Lifetime allowance protection – online servicing

HMRC’s long-awaited service allowing pension scheme members to apply to protect pension savings from the lifetime allowance charge was launched on 28 July 2016. more...

Protection News for Financial Advisers and Paraplanners - Royal London: Time to look beyond price

In the past the protection insurance sector wasn’t known for innovation, embracing technology or making the most of digital capabilities. But we’re gradually seeing this changing in the form of some game-changing FinTech companies, such as the re-insurer backed start-up UnderwriteMe. more...

Pensions News for Financial Advisers and Paraplanners - Royal London: One year on from pension freedom

This month the Association of British Insurers (ABI) published their data on pension withdrawals over the first 12 months of pension freedoms. more...

Protection News for advisers - Royal London: Is now a good time to be discussing protection?

For a few years now mortgage advisers have probably be warning their clients that there’s only one direction that the interest rate is going and that’s up (well I know mine has)! However, the financial landscape changed when the UK voted to leave the European Union last month and it wasn’t surprising when the Bank of England reduced the interest rate to 0.25% the other week. more...

Protection News for Financial Advisers and Paraplanners - Royal London: Savings MOTs - hope for 'Squeezed' savers

In our latest research report, we look at how people who are currently struggling to manage their existing finances can take action to boost their retirement savings. more...

Protection news for Financial Advisers & Paraplanners - Royal London: Don’t put off to tomorrow what you can do today

The additional requirements introduced by the Mortgage Market Review (MMR) mean putting a mortgage in place for your clients is more time consuming than ever. more...

Protection survey fro Financial Advisers and Paraplanners - Royal London: Relationships used to matter. Nowadays we think they still should.

Strong relationships are built around good communication. So when advisers gave us feedback on our underwriting last year, we listened. more...

Pension news for financial advisers and paraplanners - Royal London: Scheme pays explained

We've received lots of queries on scheme pays and when it can be used. This article explains how it works and the conditions which apply. more...

Protection news for adviser - Royal London: A fresh look at underwriting

We’ve made changes to our online service which means more of your clients will get a decision straight away, without the need for manual underwriting more...

Protection News for Financial Advisers and Paraplanners - Royal London: Our underwriters help make the application journey easier

The changes we've made to our online service mean more of your clients will get a decision straight away, without the need for manual underwriting. more...

Brexit update for Financial Advisers and Paraplanners - Impact on pensions from Brexit vote – Steve Webb, Royal London

Commenting on the impact on pensions of the EU referendum result, Steve Webb, Director of Policy at Royal London. more...

Pension News for Financial Advisers and Paraplanners - Drawdown governance service. Another pioneering invention from Royal London

As the saying goes, 'Necessity is the mother of invention'. Here at Royal London, we understand that drawdown clients need ongoing reviews and expert advice to help them stay on track. more...

Protection News for Financial Advisers and Paraplanners - Royal London: We’ve taken a fresh look at our underwriting

In today’s world, it’s generally speed and how quickly something can get done that counts. And the same applies when it comes to underwriting. But with referrals and requests for additional evidence, this process can take longer than you’d like. more...

Pension News for Financial Advisers and Paraplanners - Pension Dashboards around the World

British savers risk being left in the ‘slow lane’ unless the UK Government takes a more active role in ensuring the successful delivery of a Pensions Dashboard. more...

Pensions news for advisers - British savers risk being left in the ‘slow lane’ unless the UK Government takes a more active role in ensuring the successful delivery of a Pensions Dashboard.

British savers risk being left in the ‘slow lane’ unless the UK Government takes a more active role in ensuring the successful delivery of a Pensions Dashboard. more...

Retirement news for advisers - Royal London: Directors, limited liability partners and auto enrolment

6 April 2016 brought in changes to employer duties for directors and partners in limited liability partnerships. Here we explain exactly what’s changed. more...

Videos for Financial Advisers and Paraplanners - Royal London: Piers Hillier on investment management

We’ve produced five bite sized videos on the back of our recent adviser roadshows. Over the next few weeks we’ll be sharing these with you. more...

Partner Video for Finanacial Advisers and Paraplanners - Royal London: Our commitments to you

Isobel Langton, CEO of Royal London Intermediary, explains our three commitments to the intermediary market. more...

Pension News for Financial Advisers and Paraplanners - Royal London: Britain's "Forgotten Army": The collapse in self-employed pension membership - and what to do about it

Pension scheme membership among employees has risen by more than five million in the last four years because of the policy of automatic enrolment into workplace pensions. But Britain’s army of 4.4 million self-employed people, who account for one in seven of the workforce, are not covered by automatic enrolment. more...

Protection News for Financial Advisers and Paraplanners - Royal London: Life cover for life

When someone mentions whole of life plans, most people will think of a niche product that serves as an inheritance tax (IHT) planning tool for high net worth clients more...

Auto Enrolement News for Financial Advisers and Paraplanners - Royal London: Steve Webb on auto enrolment and FAMR

We’ve produced five bite sized videos on the back of our recent adviser roadshows. Over the next few weeks we’ll be sharing these with you. more...

Pensions News for Financial Advisers and Paraplanners - Royal London: Catch up on our roadshows

We’ve produced five bite sized videos on the back of our recent adviser roadshows. Over the next few weeks we’ll share these with you. more...

FAMR for Financial Advisers and Paraplanners - Royal London: FAMR – a familiar response

Pension specialist, Fiona Tait, takes a look at the Financial Advice Market Review (FAMR) and assesses the three areas where it suggests improvements can be made. more...

Investment news for Financial Advisers and Paraplanners - Pegasus has rebranded to Royal London

Our journey is now complete to bring all our UK intermediary protection businesses under a single brand. more...

Protection News for Financial Advisers and Paraplanners - Hughes v Royal London

On 16 February the High Court overturned the Pension Ombudsman’s decision in the case Hughes versus Royal London and ruled that we could not block a transfer request to a newly-established SSAS, despite our concerns about the appropriateness of the transfer. more...

Pension and Tax News for Financial Advisers and Paraplanners - Royal London: Lifetime ISA - Long term savings scheme or Trojan horse?

Steve Webb, our Director of Policy and External Communications, considers the new Lifetime ISA. more...

Budget update for Financial Advisers and Paraplanners - Royal London: 2016 Budget Summary

George Osborne delivered his eighth Budget on Wednesday 16 March 2016. Here’s our summary of the proposed changes with links to Treasury or HM Revenue and Customs documents if you would like more detail. more...

Protection News for Financial Advisers and Paraplanners and Paraplanners - Royal London: How to use wills to protect your clients’ wishes

March is Free Wills Month! Free Wills Month brings together a group of well-respected charities to offer members of the public aged 55 and over the opportunity to have their simple wills written or updated free of charge by using participating solicitors in selected locations around England and Wales. more...

Tax and protection news for Financial Advisers and Paraplanners - Royal London: Don't let the tax year end be too taxing

With the end of the tax year fast approaching, you’ll want to ensure your clients are making the most of their entitlements while they can. more...

Panacea virtual event for Financial Advisers and Paraplanners - Join Royal London at Retirement Options 2016

At Royal London, we might be from the olden days but we understand the importance of moving with the times as well. That’s why we’re delighted to be part of the UK’s first free virtual conference, hosted by Panacea Adviser. more...

Pension News for Financial Advisers and Paraplanners - Royal London: We're sharing our profits

As a mutual, we're owned by our customers. And we believe they should share in our success. That's why we'll now aim to boost your pension client's retirement savings by adding a share of our profits to their plan each year. We've called this ProfitShare. more...

Protection News for Financial Advisers and Paraplanners - The Royal London: The Savvy Consumer

In last year’s FCA thematic review of the mortgage market one of the key things highlighted was the ‘savvy consumer’. That’s the client who comes in the door with a very clear idea of what they need and expect you to get them it. They don’t think they need advice, they have after all consulted friends, family and the internet for that. What they need is a facilitator, someone who will place the order for them, give guidance and iron out the wrinkles they might face. And while it might be a bit tricky to tell them their idea of right isn’t quite…right, it’s also a great opportunity for advisers to highlight the value real advice delivers. more...

Social Media News for Financial Advisers and Paraplanners - Royal London: Taking your first steps into the world of social media

Where would we be without the internet? We can do pretty much everything from browsing for a new outfit to ordering dinner, discovering the wildlife in a virtual jungle to finding a partner. If we can’t find out what we want to know online, it’s probably not worth knowing. We’re so reliant on the internet despite it being a relatively new phenomenon. And possibly because of this dependence, without an online presence your business – and certainly your brand – won’t be working as well as it could. more...

Protection News for Financial Advisers and Paraplanners - Royal London: We make it quicker and easier to get things done

In a world of smartphones and social media, most of your clients expect to get an instant response and a personalised service whenever they buy something. more...

Pension News for Financial Advisers and Paraplanners - Royal London: New State Pension - winner or loser?

The new State Pension (nSP) will be implemented at a maximum flat rate of £155.65 per week in 2016/7. This is good news for some, not so good for others. more...

Protection News for Financial Advisers and Paraplanners - Scottish Provident Self Assurance has rebranded to Royal London

As we continue our journey to bring all our UK intermediary protection businesses under a single brand, we've recently rebranded the Self Assurance product range from Scottish Provident. But our vision for protection remains the same - to give you a proposition that's easy to recommend and gives the right cover at the right time with the right experiences for you and your clients. more...

Investment News for Financial Advisers and Paraplanners - Royal London: The Investment Clock

Trevor Greetham, Head of Multi Asset at Royal London Asset Management (RLAM) provides regular updates on the positioning of the Investment Clock, a model he’s used throughout his 23 year career to guide asset allocation. In the latest video from Trevor, he outlines how falling commodity prices are proving positive for developed markets, impacting his current overweight to equities in these regions. more...

Protection News for Financial Advisers and Paraplanners - Royal London: What’s in a brand?

When many people think of a company’s ‘brand’ they often think of its logo or colours – but creating a ‘brand’ is about more than just an identifiable design. It’s about building a personality for your company that shows its values and what it stands for. more...

Protection News for Financial Advisers and Paraplanners - Scottish Provident rebrand to Royal London

Bright Grey rebranded to Royal London on 30 November - the start of our journey to bring all our UK intermediary protection businesses under one single brand. The next step on this journey is on 31 December when Scottish Provident starts rebranding to Royal London. So what does this mean for you? more...

Protection news for Financial Advisers and Paraplanners - Bright Grey has rebranded to Royal London

This is the start of our journey to bring all our UK intermediary protection businesses under one single brand. more...

Protection News for Financial Advisers and Paraplanners - Royal London:A big thank you for voting

We've been awarded five stars for excellent service at this year's Financial Adviser Service Awards – seven years running. This is a fantastic endorsement of our service - thanks to those who voted. more...

Pension news for Financial Advisers and Paraplanners - Royal London Anounces the introduction of profitshare for Pensions customers

Royal London, the largest mutual life, pensions and investment company in the UK, is to introduce ProfitShare to allow its unit-linked pension and drawdown customers to share financially in its success. This innovative way for customers to share in the success of a financial services business is an industry first for the pensions sector. more...

Investment News for Financial Advisers and Paraplanners - Royal London: Shock-people not saving enough

Royal London have published research into retirement savings in the UK. Here we look at some of the key findings. more...

Protection news for financial advisers and paraplanners - Royal London: It's a gripping three year track record!

Designed for taking income, the GRIPs hit their three year milestone. more...

Protection news for advisers - Royal London: Enhancing our default

We've got a long and proud history when it comes to product innovation and investment solutions. Our latest example proves we're by no means finished just yet. more...

Pension news for financial advisers and paraplanners - Royal London – EET vs TEE

A number of industry commentators have rejected the idea of ISA-style pensions. Here we give our views and the reasons why we're also against this move. more...

Pension news for Financial Advisers and Paraplanners - Royal London: Pension Freedoms – so far so good?

Now that we are a few months into a new pensions regime and our new Pensions Minister is officially in office, let’s pause for a moment and see how it all has gone so far. more...

Investment News for Financial Advisers and Paraplanners - Royal London: Defaults, targets and one-day cricket

OK, show of hands please. Who has ever thought of cricket and default funds at the same time? If you have, you’ve probably been tasked with the idea of writing a blog that links the two like me! With all the current focus on Freedom and Choice I’ve been thinking a lot about how this impacts default funds and in many ways, it’s a lot like targeting a moving run chase in a rain-affected cricket match. more...

Pension reform update for Financial Advisers - Royal London: July 2015 Budget Summary

George Osborne delivered his seventh Budget on Wednesday 8 July 2015. As predicted the main change affecting the pensions industry is a reduction in the annual allowance for those with high incomes. However, a potentially greater impact could result from the outcome of the consultation on pensions tax relief. Here's our summary of the changes with links to Treasury or HM Revenue and Customs if you would like more detail more...

Pension news for Financial Advisers and Paraplanners - Royal London: A big Thank you

“Royal London have been awarded ‘Company of the Year’ and retained the award for ‘Best Pension Provider’ at the Money Marketing Awards, held at The Old Billingsgate in London on Thursday 18 June.” more...

Investment News for Financial Advisers and Paraplanners - Royal London - Is this the end?

The question I get asked most often is whether an interest rate rise will wipe out bond fund performance. My answer reads something like this. more...

Protection News for Financial Advisers and Paraplanners - Royal London: Safeguarded benefitsWhat are they and when does an individual need to take advice to give them up

The Pension Schemes Act 2015 introduced the concept of safeguarded benefits from 6 April 2015. It also placed a requirement on some individuals to take financial advice before they can give up safeguarded benefits. But what does this all really mean? more...

Pensions news for financial advisers and Paraplanners - Royal London: How people are spending their pension fund

Jamie Clark tells you about Royal London’s experience so far and enlightens us to what clients are spending their pension pots on more...

Pension news for Financial Advisers and Paraplanners - Royal London: The FCA's 5 remedies for retirement information

From 2016, the way that people will be told about their pension options will change. Here's a summary of what the FCA are proposing. more...

Royal London: Emergency tax and lump sum withdrawals

The timely newsletter 68 was published by HMRC at the beginning of April, nearly a whole week ahead of the implementation of some of the changes it covers. more...

Tax news for financial advisers and paraplanners - Royal London: Emergency tax and lump sum withdrawals

“Royal London - Emergency tax and lump sum withdrawals: Fiona Tait provides a handy explanation of when emergency tax applies to lump sum withdrawals and how to get it back” more...

Pensions video for financial advisers and paraplanners - Royal London: Pension freedoms knowledge builder

Watch our video on the new era of retirement to ensure you're ready for the new flexible pension legislation changes. more...

Pension news for Financial Advisers and Paraplanners - Royal London sweeps the board

We are delighted to have won four award wins at the 2015 Financial Adviser Life & Pensions awards. more...

Pension news for Financial Advisers and Paraplanners - Royal London: Pension freedoms aren't free - making the right decision

The new pension freedoms allow people to access their pension funds as and when they like, but there are concerns that the consequences of making (or not making) the right decision could put pension savings at risk. more...

Pension news for Financial Advisers and Paraplanners - Royal London: Pension freedoms knowledge builder

Watch our video on the new era of retirement to ensure you're ready for the new flexible pension legislation changes. more...

Retirement news - Royal London: Our new At Retirement tool will help you establish what income your client needs in retirement and demonstrate the options available to meet their needs.

Our new At Retirement tool will help you establish what income your client needs in retirement and demonstrate the options available to meet their needs. more...

Retirement News for Financial Advisers and Paraplanners - Royal London - Our new At Retirement tool will help you establish what income your client needs in retirement and demonstrate the options available to meet their needs

Our new At Retirement tool will help you establish what income your client needs in retirement and demonstrate the options available to meet their needs. more...

Pensions news for advisers - Royal London: Everything but the pension…

George Osborne was really rather smart last April. At the same time as telling people they could spend their pensions as they liked he gave some very powerful reasons why they shouldn’t. In fact for some people their pension should probably be the very LAST thing they spend. more...

Pension news for Financial Advisers and Paraplanners - Royal London: Defined benefits and the MPAA

From April anyone taking income from a Flexi-Access Drawdown (FAD) plan or using an Uncrystallised Funds Pension Lump sum (UFPLS) will trigger the Money Purchase Annual Allowance (MPAA) of £10,000. more...

Buy to let news - I have nothing against buy-to-let, but….

With the ability to withdraw the total value of a pension in cash almost a reality, I've become really concerned at the number of people (including many who should know better) who are intending to cash-in their pension funds and invest the proceeds in property. more...

Auto enrolment news for advisers - Royal London: Worried about auto enrolment profitability?

Use our calculators to help you build robust, workable solutions. more...

Pension news for Financial Advisers and Paraplanners - Royal London: Three pension opportunities to grab before the tax rules change

The legislative changes designed to introduce "Freedom and Choice in Pensions" will take effect on 6th April 2015. more...

Pensions comment for advisers and paraplanners - A new default for a new era – is it too soon to say?

If you asked 100 people, in a ‘Family Fortunes’ style poll, if they’d like a free doughnut, what do you think most of them would say? more...

Auto enrolment news for advisers - Royal London: Directors and auto enrolment

2015 marks the start of staging for small, micro and “nano” employers. Many of your clients will need to decide whether one or more of their directors should be considered as workers for the employer duties. more...

pensions news for advisers - Royal London: Helping you and your clients with the new era of retirement planning

April 2015 flexibility - how our pension products will change. more...

auto enrolment news for advisers - Royal London: A look back over auto enrolment in 2014

A festive round-up of what happened during the last year in the world of workplace pensions. more...

retirement news for advisers and paraplanners - Royal London: How will the new guidance service work?

A new guidance service is being introduced by the Government to help individuals understand their choices at retirement from April 2015. more...

Setting the Record Straight series - Setting the record straight with Phil Loney, group CEO Royal London

With aspirations of becoming “the Waitrose or John Lewis of the insurance sector”, Royal London group chief executive Phil Loney has certainly had his hands full in the three years since taking the helm of the mutual, which boasts a heritage that dates back as far as the 1860s. more...

Retirement news for advisers and paraplanners - Royal London: Welcome to the new era of retirement planning

Retirement is changing. Not only are the government changing the rules, making the advice process more complicated but people’s retirement experience is changing too. more...

Retirement news for advisers and paraplanners - Royal London: Welcome to the new era of retirement planning

As you know retirement is changing. Ned Cazalet has written an in-depth paper, ‘When I’m 64’, detailing the changes and the impact of these changes on your clients. more...

Auto-enrolment update for financial advisers - Royal London: Pension freedoms lead to uncertainty in workplace pension advice

It's almost certain that the pension freedoms announced by George Osborne will create more demand for advice as people wrestle with what to do with their pension pot at retirement. more...

Protection News for Financial Advisers - Scottish Life has rebranded to Royal London

Underneath we’re still the same. Scottish Life has rebranded to Royal London more...

Auto-enrolment update for financial advisers - Scottish Life: New flexibility and death benefit rules Partners in LLPs might need to be automatically enrolled

A ruling by the Supreme Court could mean that partners in a LLP might have to be considered for automatic enrolment. We look at the court’s findings and the Pensions Regulator’s interpretation. more...

Pension news for advisers and paraplanners - Scottish Life: New flexibility and death benefit rules

A new pension revolution was kicked off by George Osborne in his fifth Budget in March 2014. Assuming his plans are not derailed there are a number of new options and changes to existing rules. more...

Auto-enrolment support for financial advisers - Scottish Life: Partners in LLPs might need to be automatically enrolled

A ruling by the Supreme Court could mean that partners in a LLP might have to be considered for automatic enrolment. We look at the court’s findings and the Pensions Regulator’s interpretation. more...

Auto-Enrolment News for advisers - Scottish Life: Auto-enrolment lessons to be learned

In their latest research and analysis report into auto-enrolment, The Pensions Regulator (TPR) has given us an inkling as to what the next two years or so will bring for employers and their advisers. more...

Investment news for financial advisers - Scottish Life: Risk targeted vs risk rated

The popularity of centralised investment propositions (CIPs) amongst the adviser community has gone through the roof in recent years. more...

Auto enrolment knowledge builder

Helping you to educate your clients about auto enrolment. more...

Pension news for advisers - Scottish Life: Now’s the time to face income drawdown head on

Let us help you take the sting out of some of the complexities more...

Pensions news for Financial Advisers - Scottish Life: Our charge cap and commission stance

Our workplace pension charges will be changing to comply with the new legislation capping default fund charges and banning commission and consultancy charging on qualifying and auto enrolment schemes. more...

Pensions news for Financial Advisers - Scottish Life: Collective Defined Contribution

We take a look at what it is, how it works, and will it take hold in the UK? more...

Pension news for Financial Advisers - Scottish Life: Governed Portfolios - five years on and still going strong

Centralised Investment Propositions (CIPs) have grown in popularity amongst the adviser community in recent years. more...

Pension news for Financial advisers - Scottish Life - Better workplace pensions: it’s not just caps and commission

In the immediate aftermath of the DWP's snappily entitled paper "Better workplace pensions: further measures for savers" the wires were abuzz with talk of charge caps and the banning of Active Member Discounts (AMD) and commission. more...

protection News for Financial Advisers - Scottish Life - New name. Same great company

From May 2014 Scottish Life will begin the transition to Royal London, with the rebrand completing in October 2014. more...

Protection news for advisers - Scottish Life: New name. Same great company

You may remember we let you know back in October about Royal London's plans to move its UK life, pensions, protection and investment businesses to a single Royal London brand. more...

Pension update for Financial Advisers & Paraplanners - Scottish Life: Legal highs - the 2014 budget

Allowing increased flexibility in the way people take their benefits from a pension scheme is A GOOD THING. But with flexibility comes responsibility. more...

Pension news for advisers - Scottish Life: Pensions investment outsourcing is no child's play

Wish stricter regulation from the FCA, you need a provider you can depend on to behave responsibly. more...

auto-enrolment news - Scottish Life: Introducing the market’s first scheme risk profiling tool

We’re about to help you make the suitability assessment process for your corporate clients a whole lot easier. more...