What is IR35?

Although there have been calls for and promises of a review of the IR35 rules, off-payroll working rules are currently set to change on 6 April 2021. From this date, all public authorities and medium and large sized businesses in the private sector will be responsible for deciding the employment status of workers rather than the worker having that responsibility.  This article expains the changes and the opportunities for advisers.

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.

Power 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.

Office of the Public Guardian (OPG18)


For information about powers of attorney in Scotland

Public Guardian - Scotland

Northern Ireland

For information about powers of attorney in Northern Ireland.


Want to know more?

Send us your burning questions through our ‘Ask a question’ page.

Share by email:

Share by email:

This website is intended for financial advisers only and shouldn't be relied upon by any other person. If you are not an adviser please visit

The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The firm is on the Financial Services Register, registration number 117672. It provides life assurance and pensions. Registered in England and Wales number 99064. Registered office: 55 Gracechurch Street, London, EC3V 0RL.