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General articles and tools

Consumer duty support hub

We’re here to help you meet your Consumer Duty requirements now and in the future. Our helpful guidance, tools and resources can support your every step.

The impact of the cost of living crisis - CPD

In this webinar, we explore the results of our third independent cost of living survey of consumers in the UK, together with research carried out with advisers in relation to their clients and the impact of the cost of living crisis.

 

Family Tree - Intergenerational planning - CPD

Over the last 10 to 15 years, we've seen a period of asset generation; from strong investment performance, growing property portfolios to first time buyers utilising help to buy schemes. 

As we now enter a period of asset preservation, how can financial advisers support clients to retain their financial resilience and ability to pass wealth onto future generations?

The Family Tree - Intergenerational planning

Protection plans and HMRC’s Trust Registration Service

From 6 October 2020, The Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 introduced a new requirement for certain express trusts to be registered on HMRC’s Trust Registration Service even where the trust does not have a current tax liability. Any trust that has a current tax liability already needs to be registered.

Insurance Distribution Directive

The Insurance Distribution Directive (IDD) came into force in October 2018 and introduced a number of new obligations that firms involved in the designing and selling of insurance products need to meet.

Powers of attorney

Powers of attorney are a valuable tool that helps vulnerable people have their affairs managed before or when they have lost mental capacity.

The following guides help people who work in regulated markets learn about:

  • Lasting powers of attorney (LPAs)
  • Enduring powers of attorney (EPAs)
  • Deputy court orders

There are different laws and processes in England and Wales, Scotland and Northern Ireland.

England and Wales

The following guide only covers powers of attorney registered in England and Wales and court orders issued in England and Wales.

Scotland

For information about powers of attorney in Scotland

Northern Ireland

For information about powers of attorney in Northern Ireland.

Tools and support

A range of tools to help you with protection, including more detailed information on business protection, what is the right trust to use in certain situations and a range of support for parents setting up family protection to ensure their children are cared for, should something unfortunate happen.

ABI - Percy the protection calculator

This quick calculator from the ABI can highlight the kind of payments an individual may be entitled to in the worst-case scenario.

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