New research conducted by Royal London has revealed that smokers can save up to £16,000 on life insurance premiums by quitting. According to the insurer, non-smokers could be entitled to lower rate premiums if they have avoided tobacco, or nicotine replacement products such as e-cigarettes, for at least a year. So, how much of an…
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Interesting article in the Financial Times Adviser about the tactics estate agents are using to push potential buyers to their in house brokers. As an adviser I see this all too often, not just with “forcing” the client to see their in house broker ,but also in switching solicitors, surveyors etc… in one situation I…
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We have had a run of busy adverse and complex mortgage cases, where clients had adverse and resigned themselves to having high interest rates, or didn’t think their income would work – thought i’d share the stories! Clients A had several defaults, some unsatisfied and had unfortunately been affected by redundancy during COVID, so only…
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Each year one million people in the UK sadly find themselves unable to work due to a serious illness or injury (ABI 2017). Income protection insurance is designed to give you some cover if you can’t earn an income for those reasons. If something happened to you would you be able to survive on savings,…
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