Tag Archives: Insurance

Replacing the financial salesman in the workplace.


Auto-enrolment killed this kind of adviser as video killed the radio star. Continue reading

Posted in advice gap, annuity, auto-enrolment, Payroll, pensions | Tagged , , , , , , , | 7 Comments

Do consumers benefit from risk-based pricing?


may be wrong, the idea put up by John Raven, that a risk-based system delivers more may be right, but intuitively I sense we are moving to a more pooled approach to pricing. Continue reading

Posted in actuaries, dc pensions, defined aspiration, NEST, Popcorn Pensions | Tagged , , , , , , , | 3 Comments

The “advice gap” can and will be filled


The advice gap left by the banning of commission can and will be filled Continue reading

Posted in actuaries, advice gap, auto-enrolment, dc pensions, pension playpen, pensions | Tagged , , , , , , , | 1 Comment

Pot noodles member


Think technology Steve, small pots will become a lot smaller through aggregation and operation big fat pot may end up being renamed “Webb’s folly”.
Continue reading

Posted in pensions | Tagged , , , , , , , | 3 Comments

Better-buying makes auto-enrolment work


The promise of “Wealth at work” has disguised the paucity of the pension outcomes when work finishes. Continue reading

Posted in auto-enrolment, corporate governance, dc pensions, First Actuarial, Henry Tapper blog, pensions, steve webb, target date funds | Tagged , , , , , , , | 15 Comments

Bill – get some DC resource into the Regulator now!


Bill, t tPR need a gong-worthy head of DC asap. Continue reading

Posted in actuaries, auto-enrolment, dc pensions, de-risking, defined aspiration, NEST, pensions, Retirement | Tagged , , , , , , , | 12 Comments

Some of our insurers are missing


What have all these insurers got in common?
Answer, you can’t buy one of their personal pensions today.
Continue reading

Posted in pensions, Change, club pension, governance | Tagged , , , , , , , | 6 Comments

Time to look at VAT on pension costs


OK – not the most exciting topic but it’s an important one! I’ve seen no discussion about VAT on pension fees and that’s troubles me as we put together our strategy to sort out the pension challenge facing the 1.2m … Continue reading

Posted in auto-enrolment, pensions | Tagged , , , , , , , | 7 Comments

Playpen guru says its all our fault


In an astonishing outburst at today Play Pen London lunch, pedagogue David Hargreaves bit the hand that fed and claimed that the predicament at retirement was down to the financial services industry. Hargreaves, an actuary who trades as the pension … Continue reading

Posted in annuity, auto-enrolment, de-risking, defined aspiration, pension playpen, pensions, St Paul's | Tagged , , , , , , , | 4 Comments

The dam is full – manage the sluices


It can’t be much fun at the ABI these days. The FSA are investigating mis-pricing of annuities, the OFT are studying the distribution insurers use for pensions and just about every consumerist from Gregg McClymont to the NAPF are calling … Continue reading

Posted in actuaries, annuity, customer service, David Pitt-Watson, de-risking, pension playpen, pensions | Tagged , , , , , , , | 7 Comments