Harnessing Annuity Income for Greater Good

Any entrepreneur will tell you that what you are looking for is an annuity business, something that makes money while you sleep (or play golf). I have been an entrepreneur all my adult life and I have had countless lunches and coffees where fellow entrepreneurs get together and discuss their next great idea, the one […]

Calculate the Costs

Calculations are a part of our daily lives, whether it is figuring out how long it’ll take you to get home from work or what time you need to wake up to make sure that everyone gets out of the house on time in the morning. But have you ever stopped to think about the […]

How much Life Cover do you need?

How do you estimate the perfect amount of life cover for you?  Is it really possible to quantify your living standards and life-stage changes; and to factor in economics and surprises?   What is my life worth? The answer may be simply a numerical estimation, but it is possible to represent your life on paper; […]

The History of Life Insurance

“The Thin Man sits at Ragman Harbour in Braavos, across the sea from the famed seven kingdoms.  Bent and grey, he lounges under a dirty tent, chewing on tobacco and slurping down fresh oysters; glaring condescendingly at the working class scuttling around the harbour. He sells insurance to merchant ships, sailors who may never return […]

Thinking About Life Insurance?

They say when the conversation turns to the weather or life insurance, it is time to go.  Nobody wants to think about death or taxes either.  So how do we push past the yawn and start to think about life insurance a little differently; and why do we need life insurance in the first place? […]

The Retail Distribution Review Paradox

Philip Tomlinson, CEO Different Life, looks at the paradox created by RDR and offers a solution. The FSB’s Retail Distribution Review (RDR) is intended to provide a framework for accessible, high-quality financial services advice that is free from conflicts of interest. It will have widespread implications for the distribution of financial services products, but it […]