Annuities revitalised, Just

Changes in the investment landscape and pending legislation have brought into sharp focus the need to consider all retirement income strategies. At the same time we have seen significant movement in annuity rates, prompting many to revisit guaranteed income. Add to that the need for personalising any secure income accounting for each person's own medical and lifestyle situation and the benefits of a guarantee could significantly improve the level of income available.

In this session, Karl will uncover some of the important areas where a bit of extra detail can make a big impact. Of course, it's not just the rate that's important. Understanding the 'shape' of the annuity, including death benefits and income options available can make a significant difference to the client and their loved ones. This session will bring you up to date with the developments in underwriting and show you how guarantees can help your clients achieve a better later life.

Private Medical Insurance Update, WPA

Western Provident Association (WPA), a Not-for-Profit Private Medical Insurance (PMI) organisation, helps provide clients with faster access to healthcare services, greater choice in doctors and hospitals, and coverage for treatments that may not be available through the NHS. In this short presentation, Andy and Jimmy will discuss how PMI can potentially help your clients, by helping reduce waiting times for treatment and ensure peace of mind by ensuring timely and flexible medical care.

Writing Protection Business - What does a compliant file look like?, Threesixty

In this session, Barry will cover the file review essentials - what does a good file look like? With a focus on protection cases, clearly many of the file review issues are more general and apply to all types of cases so this session will serve as a useful refresher.

Investment Bonds - Onshore vs Offshore

In recent years we have seen significant reductions to the dividend allowance and capital gains annual exempt amount, along with increases to the rates of capital gains tax. This session will compare the impact of these changes on investments held in general investment account with both the onshore and offshore bond, along with how different investment strategies can play an important role in wrapper selection.

Cambridge PFS Local Members Event - Wednesday 21st May 2025