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.

Pensions and ISAs: the perfect combination

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

Millennials (1980s - 2000s)

Never mind the costs and charges, it’s all about the farmers!

Let’s face it; MiFID II is never going to make the shortlist for ‘The Booker Prize’ is it? It’s a horribly complex read...

Millennials (1980s - 2000s)

Sustainability matters

Millennials are known as ‘generation rent’, sometimes criticised for spending too much money on take away and avocados...

Millennials (1980s - 2000s)

Children's pension

Many better-off clients are understandably focused on how they can maximise contributions into their own pension.

Millennials (1980s - 2000s)

Why mortgage clients need to consider income protection

When you hear the words ‘mortgage protection’ what do you instinctively think of?

Millennials (1980s - 2000s)

The increasing importance of business protection

There’s never been a more important time for business owners to consider buying business protection.

Millennials (1980s - 2000s)

The age of anxiety

How are protection providers meeting the mental health needs of millennial clients? Mark Taylor finds out.

Millennials (1980s - 2000s)

So what actually is the Pensions Dashboard?

In all the conversations about delays, regulation and consultation it’s easy to lose track of what the Pensions Dashboard project is going to ...

Millennials (1980s - 2000s)

Automatic enrolment for the people

Auto-enrolment has started millennials on the pensions saving journey but the industry needs to do more to help them reach their destination...

Millennials (1980s - 2000s)
Casual young adults

Three new opportunities in the protection market

What’s the news in protection? On the surface you could be forgiven for thinking there isn’t anything new...

Millennials (1980s - 2000s)
Young boy copying palace guards

Modern love

When two of my closest friends recently told me they were having a baby I was over the moon for them.

Millennials (1980s - 2000s)

Portable protection for Generation Rent

For many millennials, holiday and mobile phone insurance is more important than income protection and critical illness cover...

Millennials (1980s - 2000s)

Marketing to millennials

Millennials are a scary bunch aren’t they? They’re more demanding of businesses that they deal with, are less loyal to brands, and...

Millennials (1980s - 2000s)

Life is a fragile thing

The week before I started at Royal London didn’t quite go to plan - instead of preparing and calming my nerves, I was facing one of the worst weeks...

Millennials (1980s - 2000s)

Life with type 1 diabetes

I can still remember the day the doctor told me, “you’ve got type 1 diabetes and it’ll be with you for the rest of your life”.

Millennials (1980s - 2000s)

Don’t count on inheritance to fund retirement

Millennials may think they can rely on a substantial inheritance to fund their later years. But this could be risky

Millennials (1980s - 2000s)

Reality check!

I’ve just recently returned to work following 11 months of maternity leave with my second child.

Millennials (1980s - 2000s)

Young, footloose and cover-free

Young people are not immune to life’s twists and turns, so they need to make sure they have decent income protection, writes Ellie Duncan

Millennials (1980s - 2000s)

Help to buy - ISAs and LISAs

House prices continue to rise in many parts of the UK with cities like Manchester recording increases of 6.6% and higher in the last year, according to...

Millennials (1980s - 2000s)

Is it time for the care pension?

Steve Webb offers a potential solution to the issue of funding long-term care, by asking whether it’s time for the ‘care pension’.

Millennials (1980s - 2000s)

Ditch the jargon to close the pension gap

Getting young people thinking about long-term pension planning is a challenge especially where technical language is concerned.

Millennials (1980s - 2000s)

Stumped by social media?

In an age of seemingly endless distractions getting the attention of your audience can seem daunting.

Millennials (1980s - 2000s)

Jam today, jam tomorrow?

Millennials have to work longer and save harder if they are to have a financially secure retirement, Simoney Kyriakou reports.

Millennials (1980s - 2000s)

For Better or Worse, or to save IHT!

I recently got married, and my husband and I realised that as a result we should review our wills – not one of our most romantic moments...

Millennials (1980s - 2000s)

Have we got our protection priorities all wrong?

At Royal London, we have a tool on our adviser website that shows the relative risks of death, critical illness, or being unable to work...

Millennials (1980s - 2000s)

Employers fined for auto enrolment failings

The Pensions Regulator (TPR) has taken the step of naming and shaming employers who have been served County Court Judgments (CCJs)...

Millennials (1980s - 2000s)

Advice or Guidance? That is the question

The Retail Distribution Review (RDR) brought many benefits to the UK pension industry, but it also created an advice gap, resulting...

Millennials (1980s - 2000s)

Nudging their way to retirement

Rather than putting younger people off pension saving, an increase in auto-enrolment contributions appears to be encouraging a whole...

Millennials (1980s - 2000s)

A tailored approach to protection

In an ideal world clients would be able to afford as much protection cover as they wanted.

Millennials (1980s - 2000s)

Generation rent

What does it actually mean for consumers and advisers and has the face of the typical renter changed?

Millennials (1980s - 2000s)

Family income benefit – an affordable protection solution

We’re all familiar with one of the key barriers to people taking out protection – affordability.

Millennials (1980s - 2000s)

Reassuringly focused on claims

We’re sure you’ve heard your customers say ‘but insurance companies don’t pay claims’ when giving a reason for not wanting to take out protection.

(Millennials - Protection)

A stitch in time

What do the changes to capped drawdown maximum income calculations mean for you?

Millennials (1980s - 2000s)

Life insurance is essential but…

…are protection products providing an adequate solution?

Millennials (1980s - 2000s)

Can you put a hat on?

You might think the question in the title is a strange one.

Millennials (1980s - 2000s)

Future gazing, present-day preparation

Millennials have enough to worry about instead of thinking about retirement.

Millennials (1980s - 2000s)

Generation rent

What does generation rent actually mean for consumers and advisers and has the face of the typical renter changed?

Millennials (1980s - 2000s)

Keep calm and carry on?

It’s part of Britain's quirky cultural behaviour – like forming orderly queues, or saying sorry when it’s not our fault.

Millennials (1980s - 2000s)