Industry news and views from Panacea and our partners.
Retirement_
Aegon: Global report examining how prepared women are for retirement
Women around the world share the same hopes for retirement as men. However, a sense of anxiety arises among women when asked about their expectations for retirement.
Scottish Widows: New Roundtable: Adviser Support Post Budget
The options have changed for clients nearing retirement
Using behavioural science in your conversations with the sandwich generation
Recently, Aviva launched its latest New Thinking book on behavioural science and the sandwich generation. Now Aviva is looking at how you can use this theory in conversations about retirement planning, protection and private medical insurance with these squeezed clients.
LV= Nearly half of advisers considering further retirement income qualifications post budget
Post Budget nearly half (45%) of advisers are looking at taking further qualifications to increase the range of retirement products they can sell.
LV= One in three retirees see health worsen in first five years of retirement
LV= reveals that significant life changes occur for millions of Britains retirees in the early years of their retirement. These changes can heavily impact a retirees financial situation and alter the most appropriate way of structuring their retirement income.
LV= research reveals Sandwich Generation reaches over one million
With over 1 million people now financially responsible for both younger and older family members, LV= looks at the financial impact.
LV=Next April's pension reforms are going to have a profound impact on retirement in the UK
With an estimated 30 million pension policies in closed funds worth an estimated £150bn* - many with excessive charges and limited investment choice - it's certain that your clients will be looking to you for the security and reassurance that their preparations and plans are going to allow them to take full advantage of the wider options offered by the new 'freedoms'. *Source: FCA estimates
Scottish Widows Latest Centre for the Modern Family report Meet the Full Nesters
Parents with older children still living at home bear a heavy financial burden.
LV: Time is money
There's no doubt that the much discussed pension reforms coming into effect next April offer tremendous opportunities for you and your clients - but at what cost?
Prudential: Oracle technical October edition
Our latest edition is now available - covering interesting and topical related commentary that could help you to identify new financial opportunities with your clients.
LV= Pension Consolidation - plan ahead now and get the perfect outcome for you and your clients
Introducing the LV= Transfer Value Analysis Service (TVAS)
We know that you want to make sure you are recommending to your clients a provider who can offer investment options and provide access to the new pension reform freedoms.
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.
Aegon: Auto-enrolment - 2 years on and the challenges ahead
In 2012 the UK embarked on one of the greatest pension experiments automatic enrolment. We may only be two years on, but the experiment seems to be making a difference, with 4.5million employees having already been auto-enrolled into their employer pension scheme, with a much lower opt-out rate than generally expected.
LV= Pension Reforms - can you afford not to act?
The radical reforms announced in the Budget have grabbed the headlines and boosted interest in pensions.
Scottish Widows: Insight on retirement planning for self-employed clients
This month we are continuing to look at the financial planning needs of small business clients.
Scottish Widows: Read Septembers edition of Techtalk
The statutory residence test explained - The key points of the UKs statutory residence test explained, to help advisers working with internationally mobile clients.
An important technical webinar from LV= for financial advisers
Since the changes announced by the Chancellor in March, there are still a lot of questions to be answered before the evolution of pensions next April.
Lv= and demos hold joint fringe events at political party conferences
Retirement income specialist LV= and think-tank Demos, are holding fringe events at the three main political parties conferences.
LV=Brits in their 60s own a quarter of all uk property wealth
People in their 60s own a quarter of all property wealth in the UK equating to £993 billion.
Prudential: Group sessions could be a first step on advice chain
More than half of the adviser firms questioned in Prudential survey would consider group advice sessions for clients
Prudential: The average retirement now lasts nearly 20 years
People turning 65 this year can expect to average nearly 20 years in retirement, according to new analysis published by Prudential.
LV= and Technical Connection webinar: A new era of retirement planning
LV= will be hosting a technical webinar on 23 September at 10am featuring expert pensions analysis from industry commentator Tony Wickenden of Technical Connection.
Financial Advisers are invited to the formal launch of LV= at the Heart of Retirement
Financial Advisers are invited to the formal launch of LV= at the Heart of Retirement.
Scottish Widows The Centre for the Modern Family report
The Centre for the Modern Family: Family Generations & Financial Pressures Report.
AXA life invest: Are your clients looking for a good outcome in all situations?
Are your clients looking for a good outcome in all situations?
Drawdown, annuity or a combination? What's best? Model it with the LifeCash Apps
With the introduction of the new pensions rules advisers are looking at the options for clients in the at-retirement market. One of the biggest challenges is engaging the client in a meaningful way, which they understand and buy in too.
LV= The rise of the part-time pensioner
Just over one in three (38%) UK adults who are at state pension age are fully retired.
APFA responds to Department of Health consultation on the Care Act
The Association of Professional Financial Advisers (APFA) has responded to the Department of Healths consultation on draft regulations and guidance for implementation of part one of the Care Act.
LV= Launches retirement advice desk
LV= is launching a new advice desk, manned by a dedicated team of experienced retirement solutions specialists, to help advisers who have clients who are due to retire before April 2015.
Prudential: Keep working beyond 60 to get biggest pay rises
Since 2011, workers over the age of 60 have seen their earnings rise faster than any other age group*, according to new analysis by Prudential.
LV= Where would you look for retirement funds that offer growth potential and guarantees?
Security and the potential for investment growth don't always go hand-in-hand. Often it's a choice of one or the other.
Scottish Widows launch their new online hub for intermediaries
Life feels better when you have a plan.
Retirement specialist LV= provides a guarantee that your Pension clients can switch on or off whenever they choose
LV= offer a suite of products to assist advisers when choosing the best option for their clients in retirement.
Prudential: Are you aiming to deliver income, growth and some stability for your pension clients?
Planning for retirement is one of the biggest financial challenges your clients face today.
Fidelity: 3 threats to retirement income
The outlook for markets remains broadly well-supported by a backdrop of increasing growth, subdued inflation and accommodative central bank monetary policy.
LV= voted best insurer for customer satisfaction
LV= has been voted the best insurer for customer satisfaction, according to the 2014 UK Institute of Customer Service Customer Satisfaction Index
LV= Worried about the impact of volatility on your clients' income in retirement?
Here's six reasons to find out more about our new Flexible Guarantee Funds and how you can smooth the retirement journey for your clients
Prudential: Retirement Income or Retirement Outcome?
It is often said that clients dont want to take any risks in retirement so they choose products which they see as being risk free. However, is there such a vehicle?