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Tag Archives: Insurance
What is private sector pension indemnity insurance (and who’s asking)?
Occasionally I find myself as an intermediary for clever people who’d prefer to discuss matters in a public way while remaining anonymous. These people often send me direct messages on twitter whats app and Facebook Messenger and the discussion continues … Continue reading
Posted in pensions
Tagged Con Keating, DB pensions, indemnity insurance, inedemnity, Insurance, Pensions, Private sector, Socrates
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The price of being sick in the head
“Sick in the head”? The phrase doesn’t quite work for Tina – a 38 year old Mum who suffered from post-natal depression and then found her life and critical illness insurances 30% more expensive than if she hadn’t declared … Continue reading
Posted in advice gap, annuity, pensions
Tagged comparison websites, declare, depression, impaired life, Insurance, mental illness, Technology, Tina
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“Would you pay a social care premium?”
This was the question Radio Five Live’s Wake up to Money asked its audience this Monday morning. 2.5% off wages for the prospect of insurance against things going really wrong with your health in later life? The idea is being trailed … Continue reading
Back in the bubble – how the pension industry feeds itself (but no-one else)
Looking back over the headlines in the trade press, I read a depressing litany of stories about the industry feeding itself. Aegon says it has deep pockets (to compensate financial advisers). It’s chief executive calls its life company (the once … Continue reading
Posted in advice gap, pensions
Tagged Aegon, AgeWage, Comare the Market, Insurance, MoneySupermarket, pensions, Technology
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Isn’t it time we thought of pensions as insurance (again)?
Yesterday, I wrote of the positive future that I saw for collective schemes, if they could rid themselves of the pernicious effects of financial economics. I based my arguments on my perceptions of the impact of mark to market … Continue reading
Posted in Blogging, customer service, pensions
Tagged Financial, Financial economics, Insurance, pensions
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Why insurance isn’t always right.
This is an article in preparation for publication; thoughts on it, especially from insurers would be very welcome. In it, I argue that insured solutions are not always right for us – in our retirement savings and that insurance companies … Continue reading
How the blockchain revolution could transform financial services
The technology likely to have a significant impact on the financial services industry and the world of business has arrived. Not peer-to-peer lending, artificial intelligence, big data, robo-advisers or Apple Pay – but rather blockchain, the technology behind digital currencies … Continue reading
Insuring too much for living too long
I went to an interesting debate this morning about the DB deficit crisis (what crisis?). A number of interesting things emerged, such as a statement that a pension scheme cannot get a real return on its investments. I looked at … Continue reading
Posted in pensions
Tagged buy-in, buy-out, ft, Hymans Robertson, ILC, ILC-UK, Insurance, jo cumbo, LDI, Longevity, Technology
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Planning Finances or Selling Insurance?
I’ve written a couple of blogs this week about my need for financial planning and my fear of wealth management. To repeat again, I don’t want to be treated as wealthy, but I do need help planning my saving and … Continue reading
Posted in accountants, actuaries, advice gap, pensions
Tagged accountant, advice, HMRC, Insurance, pension playpen, pensions, VAT
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The Blockchain is boring – we aren’t!
If you read my blogs you’ll know that I see the Blockchain as boring and beautiful at the same time. It is boring because it creates a central purchasing ledger and it is beautiful because it puts millions of boring … Continue reading
Posted in blockchain, pensions
Tagged blockchain, Boring, Fun, henrytapper.com, Insurance, jobs, ledger, leisure, purchase
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