I became qualified to provide mortgage and protection advice in late 2007. It’s been quite a ride.
When mortgage business started to dry up I focused more on protection such as life insurance, income protection etc. (The percentage of mortgage advisers who don’t even discuss how to protect the debt is staggering! Which is probably one [...]

Inheritance Tax.
Sadly, a large number of people in the UK will never have to worry about inheritance tax because of the Government threshold. I mean that in the sense that it would be nice if we were all in a position to need advice on the matter!
From the 6th of April 2009 this threshold became [...]

Due to my activity in the finance sector I have recently established a source able to provide an abundant supply of life insurance leads.
I am being informed that these leads have a conversion rate of about 50% which is very good for internet generated leads and all of the leads are incoming as opposed to people who [...]

I just saved myself £25.
Some years ago a friend of mine had a motoring accident and was seriously injured. The other driver had been drinking and fled the scene but was eventually caught.
My friend had legal cover with his motor insurance and subsequently paid no legal costs and was awarded substantial compensation.
Since that day I have always [...]

While promoting a healthy society is a good thing, life insurance companies are making more money from people who don’t fit into ‘ideal’ parameters.
Increasingly they are ‘loading’ customer’s monthly premiums on the basis of ‘Body Mass Index‘.
Body Mass Index is a calculation which determines if a person is either underweight, ideal weight, overweight or obese.
There [...]

What’s this? Halifax undertaking a cost cutting exercise in a time when unemployment is on the rise? There’s a surprise!
From 8pm tonight, Halifax General Insurance will no longer be offering Accident, Sickness & Unemployment insurance.
I think it’s pretty obvious why they are doing this but surely some clever boffins calculate how many claims they’d get [...]

As the global financial crisis continues to erode consumer confidence and the prospect of facing redundancy looms ever closer for many UK workers you could be forgiven for thinking sales of income protection would increase.
Many factors however can curtail an immediate uptake of new protection policies.
For instance if the threat of redundancy is already known [...]

It’s nearly impossible at the moment to get a quote for things like mortgages, loans and insurance without being telephoned almost the second you hit the ‘Get Quote’ button.
Far too many sites that offer online quotes lead you to believe you WILL get a quote online when in fact they are just gathering your details to give you [...]

It’s been a while since I’ve written anything but this had to be said! A lot more information is being made available regarding loan payment protection and the cost to the borrower and the benefits of shopping around for prices.
I recently looked at the figures and found some staggering results.
One lender quoted for a £10,000 loan [...]

Because this blog post has gained ranking in Google for searches relating to the 14 day cooling of and cancellation period I have added the following: 
For facts regarding 14 day cooling off periods, refer to the FSA handbook:
http://fsahandbook.info/FSA/html/handbook/ICOB/6/2
Items marked with a capital ‘R’ are rules.
If you need further advice the FSA can be contacted by phone: 0845 606 [...]