Royal London

Preparing for later life

The FCA’s final FAMR report into the provision of financial advice recognises that financial advice is a lifelong need, with clients requiring different services at different stages of their lives.

The purpose of this Royal London sponsored information hub is to focus on the different stages of life and to help you work with your clients to identify what financial planning they require and when, including protection for the family if they are unable to continue to provide for them, or using their retirement savings sensibly and efficiently.

Women and the state pension age

Women born in the 1950s must face the harsh reality that their state pension age is increasing, and despite a recent challenge...

Baby Boomers (1940s - 1965)

Why support services can be more valuable than a pay-out

Support services available through protection plans can offer your clients something they might not expect and could help you build long-term...

Baby Boomers (1940s - 1965)

How to advise your clients if the state pension goes up

An increase in the state pension age – as the one recently proposed which would see retirement set at 75 by 2035...

Baby Boomers (1940s - 1965)

A good retirement

Everyone wants a comfortable retirement, but not everyone has planned for it. How can the baby boomers make the best of their twilight years...

Baby Boomers (1940s - 1965)

Protection wants and needs

When it comes to choosing a protection provider, what does the Baby Boomer generation prioritise, asks Saloni Sardana?

Baby Boomers (1940s - 1965)

How long does your client’s money need to last?

Helping your clients manage their money in retirement would be a lot easier if we, or they, knew how long they were likely to live.

Baby Boomers (1940s - 1965)
Two elder ladies with a ghetto blaster

Prioritising protection

The type of life events that protection covers may not make for a cheery conversation, but advisers must review the protection needs...

Baby Boomers (1940s - 1965)

Is there a safe harbour in the triage storm?

Steve Webb looks at how advisers differ in their approach to pension transfer and whether there's a need for standardisation.

Baby Boomers (1940s - 1965)

Filling in the pensions gap

Women’s pension savings have fallen woefully behind men’s pension pots in terms of size. So how can women prepare themselves...

Baby Boomers (1940s - 1965)

It’s too late, mate!

Baby boomers might be labouring under a mistaken belief that insurance companies just aren’t interested in them. But they are wrong.

Baby Boomers (1940s - 1965)

How your advice can bridge the care gap

My mum recently had a spell in hospital. I won’t go into all the detail but the crux of it was she had a degenerative condition which affected...

Baby Boomers (1940s - 1965)

Getting your house in order

How advisers can help older clients prepare themselves for retirement

Baby Boomers (1940s - 1965)

Government changes to auto enrolment

Proposals to change the way auto enrolment works have been published by the Department for Work and Pensions.

Baby Boomers (1940s - 1965)

Never too late

When it comes to pensions, we are told to start accumulating as early as possible. But what if life didn’t pan out like that for...

Baby Boomers (1940s - 1965)

Lifetime Allowance

Benefit crystallisation events and the lifetime allowance charge - all you need to know.

Baby Boomers (1940s - 1965)

Protection into pensionhood

It is never too late to buy protection to help you in later life. Ellie Duncan reports.

Baby Boomers (1940s - 1965)

Attitudes toward income protection

Royal London commissioned Opinium to run our State of the Protection Nation research to find out how people felt about their own protection…

Baby Boomers (1940s - 1965)

DB Transfer Showstoppers

Transfers from Defined Benefit (DB) schemes are a bit of a hot topic just now. In this article we look at a couple of factors that could prevent a transfer...

Baby Boomers (1940s - 1965)

The Lucky ones

Do you consider yourself lucky?

Baby Boomers (1940s - 1965)

Never too late for protection

There are many reasons advisers should help older clients with insurance needs.

Baby Boomers (1940s - 1965)

Defined benefit schemes part 2

A look at guidance available to pension transfer specialists (PTS).

Baby Boomers (1940s - 1965)

Pension over-taxing

800,000 people at risk of being over-taxed on their pensions – Steve Webb, Royal London Director of Policy writes

Baby Boomers (1940s - 1965)

Changes to capped drawdown tables

We look at the reasons and what the impact could be.

Baby Boomers (1940s - 1965)

Are you talking to clients about retirement planning?

More people are using income drawdown than ever before.

(baby boomers - pensions)

DB transfers – one more factor to consider

We look at how higher DB transfer values could cause a lifetime allowance issue and how that affects the advice process.

Baby Boomers (1940s - 1965)

Guarantees in the retirement income market

Do guarantees benefit customers and if so, when?

Baby Boomers (1940s - 1965)

Scheme pays explained

We've received lots of queries on scheme pays and when it can be used. This article explains how it works and the conditions which apply.

Baby Boomers (1940s - 1965)

Trusts. Easier than you think?

Less than 5% of our personal protection plans are written in trust.

Baby Boomers (1940s - 1965)