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Views from the financial services coal-face from an IFA working in the real world. Financial media commentator and mountain biker. Peter Chadborn is frequently called upon by the financial media to comment on developments in the financial arena, and regularly contributes articles to the financial press. He is also asked by providers to give his opinion of new products and strategies, principally from a consumer perspective.

You can contact Peter on 01206 257501 or 07940 505860, alternatively email: peter.chadborn@plan-money.co.uk

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Posted on: 13 September 2012  Posted by: Space01  Posted in: protection

Important changes to insurance premiums and annuity rates in the UK

We want to tell you about some important changes that will very likely result in women and men paying more for certain insurance products and receiving less favourable annuity rates.

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Posted on: 07 February 2012  Posted by: Space01  Posted in: mortgages, retirement, investment, protection, uncategorised

Peter Chadborn ponders the information flow between the top of the tree and front-line distribution

Whenever I’m out and about amongst industry folk and find myself being enticed with a beer or two to share views from the coal-face, I am often amazed at how little the people who I frequently and fondly refer to as the “important decision-makers in the industry” understand what life is like for us over-worked and underpaid IFAs.

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Posted on: 20 September 2011  Posted by: Space01  Posted in: protection, uncategorised

Advisers speak out in support of Aviva

Aviva’s income protection TV campaign, which aired between the ad breaks of Sunday night’s Downton Abbey, has been criticised by some as being too depressing.

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Posted on: 26 July 2011  Posted by: Space01  Posted in: protection, uncategorised

Peter Chadborn of Plan Money, advocates some joined up thinking for the industry

In Karin Lloyd’s Protection Review blog last week she promoted the merits of enabling distributors to engage more with the claims process.

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Posted on: 14 June 2011  Posted by: Space01  Posted in: protection, uncategorised

Should advisers charge for handling protection claims?

Adviser charging post RDR has been a hot topic for some time and was recently taken to the next level following the publication of the FSA’s latest quarterly consultation paper.

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Posted on: 04 May 2011  Posted by: Space01  Posted in: protection, uncategorised

The simplified advice debate

Rare opportunity to offer customers what they want. We should start to see more people saving in 2012 as they get a better understanding of how they can improve their finances. Automatic enrolment will mean millions more workers paying into a pension and the RDR will be the biggest change in how investment policies are sold for a generation.

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Posted on: 01 February 2011  Posted by: Space01  Posted in: protection, uncategorised

How to make protection fit your profile

I have just read a report that said 61 per cent of families do not have enough financial protection? I am married with two young children and self-employed. How do I decide what type of protection I need and how much?

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Posted on: 21 December 2010  Posted by: Space01  Posted in: protection, uncategorised

Cases where remuneration is not the only reward for an IFA

Peter Chadborn, Director of Plan Money considers cases where remuneration is not the only reward for an IFA RDR is making us IFAs question more than ever the services we provide and the remuneration we receive in doing so.

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Posted on: 28 July 2010  Posted by: Space01  Posted in: protection, uncategorised

Our latest blog is from Peter Chadborn, Partner at CBK

Munich Re recently suggested a GIO (guaranteed insurability option) as an optional extra for protection policies at the time of purchase which covers the policyholder against having to pay back-premiums if they were ever made compulsorily redundant and had to lapse their cover as a result; the reasons being that rewriting the policy may not necessarily be in the policyholder’s best interest.

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Posted on: 04 May 2010  Posted by: Space01  Posted in: protection, uncategorised

Peter Chadborn a partner at CBK (Colchester) asks what life will be like post-RDR…

The corridors of power across the protection world are awash with speculation on how distribution will evolve pre and post RDR. One of the biggest concerns is that many IFAs writing protection business will turn their back on this sector in their stampede to become wealth managers. Ironically, the FSA were once concerned there would be a shift in the other direction due to advisers addiction to commission. The former is quite likely, the latter is not. However, I do not think the RDR can be singled out as the catalyst for this potential desertion. There are of course many…

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