Financial Planning

Insuring the Silver market

Underwriting insights for brokers on insuring older age applicants   Life expectancy of individuals is on the up and, with continuing mortality developments, many people are living longer, healthier lives.  This, in turn, has spurred…
Financial Planning

Financial planning is a two-way street

Committing to a financial plan requires a certain degree of discipline. Committing your financial plan to a financial adviser requires a considerable degree of trust and discipline. But, like any commitment, if done with forethought…
Financial Planning

Capable - or not - of performing duties

The complainant was an electrical training officer who stopped working owing to ill health after December 2003 and was subsequently retrenched. His duties involved training and development of electrical apprentices and learner technicians. 70% of…