Trevor Greetham, Head of Multi Asset at Royal London Asset Management, has made a tactical change to the asset allocation of the Governed Portfolios (GPs) and Governed...
Our adviser policy paper explains how paying annual and lifetime allowance tax charges can still make your clients better off in retirement.
Clearly the old objections remain – people see protection as too expensive or think it will ‘never happen to them’. But if we look closer at the way society is changing, we can see there are more opportunities for the protection conversation than there used to be – this time it’s a question of looking more closely at client demographics to find the opportunity.
If your client is coming to you for a mortgage, it’s your duty of care to at least put the client in an informed position where they understand how life would look should the worst happen.
There are simple things that you can do right now to help you have better protection conversations with your clients. This will lead to a better outcome for your clients and better outcomes for you and your business.