Joined-up Thinking

April 25, 2017 Tom Murray

long term care plans auto enrolment Long Term Care

THIS ARTICLE WAS ORIGINALLY COMMISSIONED AND PUBLISHED IN THE  February 2017 EDITION OF THE INVESTMENT LIFE & PENSIONS MONEYFACTS PUBLICATION.   Joined-up thinking   The recent call from Aon for Long Term Care to be handled by the same government department that manages pensions, in order to ensure joined up thinking across both policy areas, is an excellent idea. Given that long term care is overwhelmingly an issue of old age and that pension savings are to provide for one’s needs post-retirement, the effect of initiatives in one area should always be considered by those who are implementing policy within the other.
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Life and pensions set for a good year in 2016

January 04, 2016 Norman Carroll

tablets 2016 pensions savings Pensions UK

Life and pensions set for a good year in 2016 The last few years have been difficult for all of us working in the financial services sector. The hangover from the boom that preceded the global financial crisis of 2008 lasted far longer than originally predicted, and the ‘plink, plink, fizz’ of the austerity cure was slow to work its magic.
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Why Workie won’t work

November 16, 2015 Tom Murray

DWP Pensions department of work and pensions UK Workie

Why Workie won’t work As we move into the second phase of auto-enrolment (AE), with the arrival of the staging dates for small and micro-employers, we need to be very careful that our message isn’t getting lost. Both the government and the industry need to focus on getting the large number of people still without a pension enrolled in a scheme.
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Income protection – the forgotten product

September 16, 2015 Tom Murray

welfare protection UK pet insurance illness

Actuarial Post: Income protection – the forgotten product This article was originally commissioned for the August/September 2015 edition of the Actuarial Post.
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Micro-firm’s auto-enrolment nightmare

June 09, 2015 Tom Murray

Pensions UK Life and Pensions technology SMB

The flood gates are about to open. Less than 50,000 employers had auto-enrolled by the start of this year and a similar number will do so by the end of 2015, as more medium and smaller employers come on stream. However, it is in 2016 when the big push will come, with over 100,000 due to auto-enrol in the first quarter alone. This is because we are arriving at the staging dates for employers with less than 50 employees, which kicks in at the start of this year and then rapidly increases, so that the tax year 2016/17 should see the auto-enrolment of over 600,000 schemes.
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What lies ahead – The UK life and pensions landscape in 2020

January 12, 2015 Norman Carroll

estate planning multi-platform service Pensions UK Retail Distribution Review

While I don’t claim to have 20/20 vision, I do have a view of what the UK’s life and pensions landscape will be like in 2020, and it is one that will be hugely different from the one we see today.
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The Chancellor’s sophistry on pension reform is dangerous

July 22, 2014 Tom Murray

Pensions UK Life and Pensions longevity insurance regulation

Chancellor George Osborne was dismissive of the critics of his Budget 2014 pension reforms in an interview with the BBC this week. “It’s not my money, it’s not your money… We have to get away from the patronising view that the state knows best”.
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How about some honesty for 2014?

December 20, 2013 Tom Murray

Pensions UK dr who Life and Pensions auto enrolment

Dr Who, a staple of recent Christmas Day viewings, will certainly be one of the big draws for the BBC on Christmas Day, (7.30pm, if you’re wondering). The popularity of the show is undiminishing as humans have always had a fascination for time travel. One wonders why? Probably because it seems to be an ideal way for us either to change the past or forecast the future, two issues which would be very useful for anyone. Who wouldn’t correct some previous action if they could and who wouldn’t like to know the future consequences before they make a decision?
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TechLife Exaxe Newsletter: September 2013

September 30, 2013 Sharon Cronin

excel and spreadsheets Pensions UK EU pensions and social media

The September print edition of TechLife is now available. TechLife is published every quarter and is filled with industry news, white papers and information on legislative changes.
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Investment Life & Pensions Moneyfacts: Protection products – fast forward to the past

August 08, 2013 Tom Murray

protection money markets Pensions UK income

This article was originally commissioned and published in June 2013 for Investment Life & Pensions Moneyfacts publication. Tom Murray, Head of Product Strategy at Exaxe, argues that a return to the basics of addressing protection needs would benefit those clients on smaller incomes the most.
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