Will Pension Tax Advantages be ‘attacked’?
Not for the first time there are many rumours as to what could happen to pensions in the Chancellor’s autumn statement on 5th December, with a further £10 billion of cuts required to balance the country’s books. Unlike previous years, we as a country are in a significantly worse place than compared to any time […]
Group Risk Bulletin – November 2012
There are two pieces of European legislation due to come into force at the end of 2012 which may have an impact on the pricing of insurance products: EU Solvency II Directive This European Directive will establish a new regime for the taxation of Life Assurance companies. HMRC’s view is that this supports the Governments […]
Workplace Pension Reform Update – October 2012
Auto Enrolment is here at last! As you read this Bulletin, the biggest employers in the country are coming to terms with Auto Enrolment and are attempting to navigate through the myriad of rules in order to be compliant with the new legislation and avoid the fines that the Pensions Regulator (TPR) has promised to […]
Group Risk Bulletin – September 2012
We were recently approached to provide a 250 word editorial piece on Group Income Protection insurance for Cover magazine. ‘Cover’ is a protection insurance publication which provides authoritative and credible information, which is of practical use, and comprehensively covers all aspects of the protection and health insurance market with insightful analysis, news, features and regular […]
Workplace Pension Reform Update – August 2012
For the past 18 months Wingate Benefit Solutions has been recommending that businesses familiarise themselves with the changes and responsibilities being introduced under the Workplace Pension Reforms which apply from October 2012. In reality, most businesses will not be affected by the new legislation straight away but with our assistance, some important planning can be […]
Francis Townsend & Hayward join forces with Wingate Benefit Solutions
Francis Townsend & Hayward join forces with Wingate Benefit Solutions and Wingate Financial Planning to create one of the largest independent and privately owned Financial Planning and Employee Benefit firms in Surrey and South London. The firms share a common history, having been established in South London and Surrey for several decades. The intention is […]
Business Protection Bulletin – July 2012
Sometimes, we need to understand the facts Understanding the facts enables us to make informed choices. It’s not unusual for businesses to protect themselves against the impact of a shareholder of key individual dying through a life assurance policy. It is however less common for companies to insure these same individuals in the event they […]
Group Risk Bulletin – June 2012
With the forthcoming pension reform changes that commence in October of this year, we have been looking at the implications that these changes may have on Group Income Protection Schemes. A Group Income Protection scheme (GIP) is implemented by an employer in order for them to be able to provide an employee with a continued […]
Workplace Pension Reform Update – May 2012
With Auto enrolment looming, a couple of last minute tweaks are still being made to the proposed legislation. Two of these area’s are highlighted below. Staging Dates (the date when the legislation applies to your business) On Friday 23rd March the Department for Work and Pensions (DWP) published a consultation setting out its proposals on […]
Business Protection Bulletin – April 2012
Which of the following would damage your company the most? One of your company vehicles is stolen/damaged Someone steals your computers Your photocopier breaks down One of the directors becomes critically ill The courier lets you down in delivering an important package A window at the company premises is broken by vandals Your top income […]
