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Life & Pensions

Annuities fight back »
The government has moved the deadline for pension annuity purchase from 75 to 77 and has outlined plans to abolish the age limit altogether. Brian Bradley explains why annuities remain a valid option...
Your essential guide to qualification gap fill »
4 steps to gap fill success...
The restriction of pension tax relief »
The Coalition Government has now set out how the pension tax relief rules will operate from the 2011/12 tax year. Major changes will be made to the annual allowance provisions (effective from 6 April 2011) and to the lifetime allowance rules (effective from 6 April 2012). These changes are designed to provide the Treasury with the £4 billion that would have been provided by the heavily criticised 'High income excess relief charge' (HIERC) provisions, which will now be repealed.
Regulatory News Life and Pensions September 2010 »
FSA - Handbook development newsletter
Regulatory News Life and Pensions August 2010 »
HMT - The changing face of financial regulation
Government launch restricted tax relief consultation »
This Technical Article provides a summary and analysis of the Government's consultation on restricting pension tax reliefs. The main points to note include:  
Government proposes radical changes to provision of retirement benefits pre- and post-age 75 »
In its consultation document on the removal of the effective need to annuitise at age 75, the Government has set out a number of radical proposals. This bulletin sets out our analysis of these proposals.
Regulatory News Life and Pensions June 2010 »
FSA - COMPETENCE AND ETHICS CONSULTATION PAPER
Platforms under pressure »
Platform operators may have been pleased as they began to read the FSA's discussion paper DP10/2 on platforms, but less so if they continued.
Mind the gap! »
Swiss Re's latest Insurance Report, published in December 2009, offers a consumer-focused view of the long-term insurance market, with the emphasis on long-term protection business.  Writing exclusively for 'Financial Solutions', Ron Wheatcroft and Stephen Bale explain why the time is ripe for the life insurance industry to make a concerted effort to improve the penetration of protection covers...
Chronic pain »
Chronic pain? Surely a tediously dull subject. Well, no actually. Do read on ...
Assessing the occupation risk »
Life and disability underwriting, of course, is not all about medical conditions - although the likes of obesity, high blood pressure and diabetes, together with the occasional more exotic affliction, take up most of underwriters' time - sports and pastimes, foreign travel and financial risks need to be considered too, as does occupation.

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