allied dunbar
allied dunbar and eagle star each manage about pounds 15bn. threadneedle will continue to manage the 70 allied dunbar funds and the 170 eagle star funds separately, at least initially .
zurich financial services has rebranded the allied dunbar franchise network. renamed the zuri ...
st james’ place set up shop when i was working as a self - employed adviser for allied dunbar. it now looks very much like the allied dunbar i knew in those days
one former allied dunbar person says this is one of the worst cases he has ever seen .
allied dunbar was undone because it fell into the hands of a parent (zurich) with a wider global ambition than the management of allied dunbar could deal with. it didn’t suit zurich to have allied dunbar’s embarrassing book of business when it was championing a different set of values through its other uk businesses and its global business model .
if you need to make a complaint about allied dunbar’s products or services (now zurich), please get in touch .
only astronomical returns could have paid off peter morrison' s loan. but that didn' t stop the allied dunbar salesman
allied dunbar says :
we are treating this as a formal complaint and will investigate this as a matter of urgency .
the financial services authority has fined allied dunbar assurance £725, 000 for serious flaws in its procedures for handling mortgage endowment complaints .
explanation is needed. recent relations between dunbar and money marketing have been interesting, shall we say. dunbar feels a little hard done by .
then fragile edifice of the sjp advisory model will crack, as did allied dunbar’s. sjp will continue to manage its £80bn of money under advice, but advisers will find themselves disconnected from the revenues they brought to the company (as happened at allied dunbar) .
stagnitti k, schoo am, reid c, dunbar j. retention of allied health professionals in the south - west of victoria .
stagnitti k, schoo am, reid c, dunbar j. access and attitude of rural allied health professionals to cpd and training .
the fsa says the flaws occurred between may 2001 and april 2003 and exposed a large number of allied dunbar customers to potential loss .
a repayment loan would have cost £425. but in may 2001, allied dunbar admitted that the real endowment cost should have been £311 .
sjp has unashamedly achieved what zurich would not let allied dunbar do, and become a means to appeal to the vanity of high net worth individuals. it has created the club - like atmosphere that those who are easily flattered respond to. this is what allied dunbar lost ,
allied dunbar assurance has become the second financial services company to be fined by the city regulator for mishandling customer complaints about endowment mortgage policies .
vivienne says:' we feel bitterly let down by allied dunbar. our adviser never mentioned that the policy might not meet its target.'
evaluation of the victorian allied health workforce recruitment and retention projects: final report .
stagnitti k, schoo am, dunbar j, reid c. an exploration of issues of management and intention to stay: allied health professionals in south west victoria, australia .
but that did not stop mr curzon. wearing a second hat as an allied dunbar
financial planning consultant
, he persuaded mr morrison to sign up for a new endowment .
bat industries, the tobacco and insurance giant, is merging the fund management arms of allied dunbar and eagle star to form the uk' s tenth - largest investment management house .
threadneedle' s 60 investment managers will move into eagle star' s offices in st mary axe in the city. the 70 eagle star staff involved in property management will move into allied dunbar' s sackville street offices in the west end. the back - office staff are largely based at the allied dunbar and eagle star head offices in swindon and cheltenham .
to help us reunite you with any policies that you may have taken out with zurich, or from other companies which now make up zurich, such as allied dunbar, eagle star, allied hambro and hambro life, just give us a call on 0370 333 1500 .
the financial services authority said allied dunbar was guilty of' serious flaws' in its procedures for handling mortgage endowment complaints, which exposed a large number of its customers to potential loss .
what else has he achieved ?
we have turned allied dunbar upside down in the last six years in terms of the quality and the way that we deliver service to clients .
if ever proof were needed that fining life companies is a waste of time, it was delivered today as the financial services authority imposed a big fine on allied dunbar over mortgage endowments .
zurich financial services has rebranded the allied dunbar franchise network. renamed the zurich advice network, it will continue to operate with the strategy of offering a range of brands along with ...
some 1, 000 customers are involved and although the total figures may not be large for a company like allied dunbar, the potential losses matter enormously to the homebuyers concerned. any allied dunbar customer who has had a claim for endowment mis - selling rejected, and is unhappy with this decision, should get in touch with the firm as soon as possible and ask to have their case reviewed .
will ifas give up their much valued independence? dunbar says it has recruited 32 ifas so far this year .
not only has allied dunbar been guilty of mis - selling endowment linked mortgages, but it has now been found seriously wanting in its handling of compensation, rejecting what the fsa clearly thinks are legitimate claims .
we launched in 2005, but we’ve been present in the uk financial advice market for more than 40 years. you may remember us better as hambro life, allied dunbar and, more recently zurich advice network .
mr greener will chair threadneedle, with kenneth inglis, currently chairman of allied dunbar asset management, as his chief executive. roger townsend, a director of eagle star life, will be managing director, operations .
allied dunbar / eagle star: about 110, 000 endowments in force. imposed three - year time bar from receipt by saver of the red letter. policyholders have 12 months to complain after receiving second letter .
mr greener said allied dunbar had a strong research department, while eagle star had more experience of derivatives and international business. he wants to improve the quality of product development and of the research that underpins asset allocations .
he is keen to recruit ifas to the salesforce and is a little tetchy at publicity that he regards as less than helpful. why was dunbar known as allied crowbar? baldwin blames envy from the rest of the industry .
the financial services authority announced that it has fined allied dunbar assurance £725, 000 for' serious flaws contained in its procedures for handling mortgage endowment complaints, which exposed a large number of its customers to potential loss.'
hundreds of customers of allied dunbar, whose complaints of endowment mortgage mis - selling were rejected, are to have their claims re - investigated after the company was fined £750, 000 by the country' s chief financial watchdog .
he said bat wanted to keep allied dunbar and eagle star as distinct brands, as they operated in different parts of the life and savings markets. but bat may consider combining the two companies' computer services and administrative functions .
for any questions you may have on plans you took out through allied dunbar (now zurich), phone our uk based team monday to friday 8. 30am – 6. 00pm and on saturdays 9. 30am – 12. 30pm
“people think they’re getting better quality when they’re paying a higher price, ” dunbar said. “that is so not true. ”
jobs & money was unable to contact mr curzon. he is no longer an allied dunbar salesperson. and his central mortgage firm has moved from rugby to llandrindod wells, says the mortgage code compliance board. but the phone has been disconnected .
vivienne, from branston, lincolnshire, is now recovering well. but when she complained about her endowment in march last year, the case was thrown out by zurich, which now owns allied dunbar, because she had been time - barred .
it was not really cheaper. on the £50, 000 endowment mortgage, mr morrison had to pay £285 a month for the allied dunbar plan and £141 a month for his 3. 49% discounted staffordshire building society loan - £426 in all .
throughout the turbulent history of allied dunbar – it began as hambro life, was bought out by bat, joined umbrella group bafs, became a single marketing group with threadneedle and recently saw its parent merge with zurich – many have come and gone .
allied dunbar, which has sold 293, 522 mortgage endowments since april 1988, said it regretted the failings that have occurred. it said customer complaints procedure had been improved and that it was voluntarily reviewing complaints rejected between january 2000 and april 2003 .
but he was sold an allied dunbar endowment policy which was set to produce a shortfall no matter what colour the traffic lights. it could also cost him around £10, 000 more than a repayment mortgage - even if it hits the home loan target .
the rural allied health workforce (rahw) study commenced in 2008 with a survey of all allied health professionals in rural nsw, followed by a series of focus groups to add depth to survey results and inform subsequent survey analysis. the overall aim of the rahw study was to identify factors contributing to the recruitment and retention of rural allied health professionals .
o’toole k, schoo am. retention policies for allied health professionals in rural areas: a survey of private practitioners .
the move is an example of the increased co - operation that bat wants to see between its two uk insurance businesses. george greener, the former allied dunbar chief executive, took over as head of the uk financial businesses last may to facilitate this process .
denham la, shaddock aj. recruitment and retention of rural allied health professionals in developmental disability services in new south wales .
there are an increasing number who are getting fed up to the back teeth with the increased admin load and the increased costs and the fact that they are not getting the things they really crave. the one thing that really distinguishes allied dunbar is professional development .
the financial ombudsman service is now the stokers' only hope. with allied dunbar' s permission, it has agreed to review their case. the fos will look at mis - selling cases that have been time - barred if the insurer agrees. most do not .
the flaws identified occurred between may 2001 and april 2003. allied dunbar is now reviewing complaints rejected from january 2000 and april 2003, including around 1, 000 endowment complaints that were rejected during the period of breach and which in practice is the number of customers who may have suffered loss .
a 50 - year resident of allied gardens, carol dunbar says she is “ecstatic that i’m going to get organic fruits and vegetables at a store that i can walk to. ” paying less for some of her favorite items than she does at higher - end stores is also a perk .
but the perception of rivals is that dunbar is struggling somewhat. in a boom time for the life industry, its own business figures are less than inspiring .
about twenty years ago i took out a pension with allied dunbar. i couldn' t tell you much about it as i' m not very clued up on this sort of thing, but i do remember it was somehow linked to the government which meant it couldn' t be cashed in early. i paid into it for a couple of years and then certain things happened in my life. i went off the rails for a while and forgot all about it for many years. i recently found part of an old statement from allied dunbar which reminded me of it and as it is due to mature in five years time, it got me thinking that perhaps i will be entitled to something for the couple of years i paid in? so, i thought why not contact allied dunbar, inform them that i moved address some years ago and see where i stand - possibly even pay into it again for a few years? only to find... . allied dunbar no longer exist. anyone got any advice on this? is it worth persuing, or is it a non - starter? if so, where would i persue it? one thing i do have is the plan number, which i guess might help ?
about ten months earlier, in february 2001, vivienne, 54, and husband roy, 57, had received a red letter from adviser allied dunbar. it warned that there could be a shortfall of as much as £29, 000 on their £60, 000 mortgage endowment policy, due to mature in 2017 .
chisholm m, russell d, humphreys js. measuring rural allied health workforce turnover and retention: what are the patterns, determinants and costs ?
manahan cm, hardy cl, macleod mlp. personal characteristics and experiences of long - term allied health professionals in rural and northern british columbia .
o’toole k, schoo am, hernan a. why did they leave and what can they tell us? allied health professionals leaving rural settings .
allied, part of the zurich financial services group, has sold 293, 000 mortgage endowments since 1988. it has now introduced new complaints procedures .
keane s, lincoln m, smith tn. retention of allied health professionals in rural new south wales: a thematic analysis of focus group discussions .
keane s, smith tn, lincoln m, fisher k. survey of the rural allied health workforce in new south wales to inform recruitment and retention .
dunbar & # 39s plan to attract ifas looks to some like lions trying to recruit christians but baldwin says more and more independent advisers are learning the benefits of being a sales rep .
clearly allied dunbar should have been aware of its shortcomings in this area but it seems it just didn' t care. the fsa accuses the firm of,' a tendency to give disproportionate weight to sales advisers' versions of events when assessing the facts surrounding the consumer' s complaint.' well they would, wouldn' t they ?
o’toole k, schoo am, stagnitti k, cuss k. rethinking policies for the retention of allied health professionals in rural areas: a social relations approach .
the fsa also said allied assumed that customers who already had an endowment policy or other investments understood the risks associated with the product when buying a new one .
the sjp advisory model will continue to balloon, as allied dunbar did – until it finds itself pricked by legislation, after which it will deflate slowly till it becomes a shrivelled kernel of what it once was – rather like openwork. the wider business model appears to rely on the retention of margins on funds on advice whatever the situation with advisers .
the fsa said allied had also issued guidance notes to complaint handling staff in 2002 which contradicted guidance set out in a letter from john tiner issued two months earlier .
it was at this time that the direct salesforce was in full swing, one of the biggest being that developed at allied dunbar. set up by a trio of south african finance entrepreneurs, sir mark weinberg – who went on to found st james’s place – lord joel joffe and sir sydney lipworth, the company dominated the market throughout the 1980s and 1990s .
there are models that sjp might have aspired to that do not contain the phrases hambro life or allied dunbar. it might have aspired to provide the mutuality of equitable life or the direct to market model of hargreaves lansdowne. but it has done neither, and chosen to stick with the “restricted advice” model that served mark weinberg so well in the seventies and eighties .
keane s, smith tn, lincoln m, wagner sr, lowe se. the rural allied health workforce study (rahws): background, rationale and questionnaire development .
its business model was to recruit the best salespeople. many who came through its doors went on to set up successful ifa practices or have big jobs in other firms. famous alumni, either at allied dunbar or its successor, zurich advice network, include: keith carby, simon chamberlain, richard freeman, andy thompson, richard coulson, gerry o’brien and david harrison .
for the first three quarters of 1997, dunbar & # 39s new life and investment business fell by 4 per cent, even though sister company eagle star life saw a jump of 30 per cent .
sjp already has achieved its business purpose – it has the funds to be a magnificent zombie. but without a social purpose, i suspect it will become over the years to come an embarrassment to its salesforce as will the salesforce to sjp. this is what happened at allied dunbar and i see exactly the same thing happening to st james place in the next ten years .
grocery outlet bargain market owner / operator chris holbrook checks out the vegetarian fare at the store he is opening up on thursday with his wife, gay, in allied gardens .
allied gardens residents — and even people in neighboring grantville, san carlos and del cerro — have been clamoring for 2 ½ years for something to open at 5185 waring road .
i sense that sjp has very little to fall back on if the current trickle of abuse turns into a torrent. for this they have no - one to blame but sjp’s management which (like allied dunbar’s thirty years before) has been cash - cowing the business for some time. sjp’s failure to become the market leader in anything other than maintaining margins, makes it acutely vulnerable .
the nearly 14, 000 - square - feet store in allied gardens will hold a grand opening celebration from 7 a. m. - 9 p. m. on saturday .
however, following visits to allied' s offices, it concluded that about 1, 000 endowment complaints received by the company between may 2001 and april 2003 could have been wrongly rejected .
the advisory model operated by sjp is too expensive to its clients. it works so long as the products work, but the products cannot work as they should because of their costs. the inefficiency of the sjp business model requires high amcs, hidden costs and obscure charges such as their punitive exit fees. it is precisely the business model sjp took from allied dunbar in the late eighties when it set up .
allied dunbar is by no means the first life company to be fined over mortgage endowments. the fsa has publicly disciplined royal scottish assurance and fined the company £2 million; winterthur life £500, 000; abbey life £1 million; scottish amicable £750, 000; and royal & sunalliance £950, 000 in relation to mortgage endowments; and friends provident £675, 000 for the mis - handling of mortgage endowment complaints .
and this wasn' t years ago when the company might argue that it wasn' t up to speed with the compliance requirements of the fsa. this all happened between may 2001 and april 2003. as the watchdog points out,' allied dunbar' s failure to deal appropriately with its mortgage endowment complaints occurred during a time when the fsa had placed great emphasis on the importance of adequate complaints handling systems.'
he was apparently good pals with ex - dunbar chairman george greener and was known internally as
george & # 39s familiar
. but bafs life chief executive phil smith and others have grown to respect his endeavour and loyalty .
collins k, jones ml, mcdonnell a, read s, jones r, cameron a. do new roles contribute to job satisfaction and retention of staff in nursing and professions allied to medicine ?
this is just st james’s place’s way of rewarding their high achievers (i. e. those who write the most business). it is a throwback to the direct sales days of abbey life and allied dunbar when the top sales people were rewarded with overseas sales conventions, plush offices etc. st james’s place is a meritocracy where the high producers are given numerous rewards which don’t appear in the reduction in yield figures used in illustrations .
much of the existing literature for rural allied health workforce focuses on retention in the public sector [ 25 ]. however, the allied health professions are diverse, with some professions working primarily in public health settings (e. g. occupational therapists), others primarily in private practice (e. g. optometrists), and some that work in either sector (e. g. physiotherapists) [ 10 ] .
grocery outlet bargain market owner / operator chris holbrook checks out the vegetarian fare at the store he is opening up on thursday with his wife, gay, in allied gardens. (karen pearlman / san diego union - tribune )
this study aims to explore conceptual themes represented as clusters in the 33 rahw survey items to identify whether the issues affecting retention of rural allied health professionals differ in relation to their business model, in either the private or public sector .
mean ages differed by profession, ranging from 32. 7 years (speech pathologists) to 52. 5 years (pharmacists). the age and gender distribution of allied health professionals across the public and private sectors is shown in table
david smith, of wealth manager bestinvest, said :
almost every week we see customers with policies from allied dunbar [ now part of zurich ] where penalty charges of 10% are not uncommon, while some older npi policies have the double whammy of a penalty to transfer out plus what' s called a' market value adjuster', which adds up to 20% . they may be trapped in funds where the annual bonuses have often fallen to zero and where they can' t effectively get out until retirement age .
norwich union admitted this week that 75% of its endowment plan customers risked failing to hit home loan repayment targets. and zurich financial - the umbrella brand for allied dun bar and eagle star - revealed that 79% of its policies could fall short .
public health funding levels that do not enable sufficient allied health workforce to meet service expectations risk further pressure driving ah professionals out of rural practice. while use of qualified allied health assistants has potential to extend rural ah workforce capacity and partially alleviate workload pressures [ 36 ] this will also require negotiation of appropriate wage structures and careful regulatory policy that balances training, access and safety [ 37, 38 ]. other strategies such as a shift to a primary health care approach may ultimately reduce clinical demand, however it is likely that cpd and appropriate policy development would be required to facilitate this shift in practice .
where sjp have been astute is attempting to grow to a size that is ‘too big to fail’ so that is perhaps why the fca has dragged its feet on so many of the issues that have been reasonably raised here and i look forward to, if he can put aside his rather childish and largely ineffectual point - scoring, mervyn king’s answer to julian steven’s point regarding advice only fees if ifas are so out of touch with current practices. to sidestep this is to confirm to people their views of sjp are, in fact, correct. ps i used to work for allied dunbar so i know how direct sales force behaviour is driven and i didn’t fail, i just had enough of being treated like a mushroom !
allied dunbar £5500. 00 having read articles on misselling i looked into it. i had taken out a policy to mature at £110k in 2000. i received a letter in 2003 to say it had an expected shortfall of £11k. i thought sod this and cashed it in and got a repayment mortgage. earlier this year after hearing about the misselling i thought i' d give it a bash (other half thought i was mad). i got hold of the financial ombudsman gave a few details a few letters back and forth and lo and behold money. would just like to say thanks to all who work and advise on this site - without which i wouldn' t have bothered chasing this (now after woolwich for bank charges! )
rural health workforce shortage is an international problem which has received considerable attention in recent years [ 1 ]. health workforce research in the medical profession is well established [ 2, 3 ] while recruitment and retention of rural nurses is relatively less investigated [ 4 - 6 ]. still fewer studies have focused on the allied health professions [ 7 - 9 ]. retention of the existing rural allied health workforce is also problematic, with a recent study reporting that 42% of survey respondents in nsw intended to leave their job within the next 5 years [ 10 ]. clinical consequences notwithstanding, workforce shortages can result in decreased productivity and burnout of remaining staff, as well as high vacancy and recruitment costs [ 11 ] .
policy initiatives to improve retention of the rural health workforce have relied primarily on evidence for rural doctors, most of whom practice under a private business model. much of the literature for rural allied health (ah) workforce focuses on the public sector. the ah professions are diverse, with mixed public, private or combined practice settings. this study explores sector differences in factors affecting retention of rural ah professionals .
the aforementioned rahw survey recruited from 21 eligible allied health professions across rural nsw with a sample size of 1823 respondents. sampling rates have been previously reported [ 10 ] and were estimated against 2006 australian bureau of statistics census data, except for professions not included in the census. sampling rates ranged by profession between 30% and 54% . this project was approved by the university of sydney human research ethics committee .
in this study high clinical demand increased intention to leave in both the public and private cohorts, even after adjusting for all other factors. results of rahw focus group research [ 39 ] support this finding. the inability to meet high clinical demand has been associated with emotional exhaustion in remote area nurses [ 40 ]. lenthall et al. , (2009) suggest that this situation is “exacerbated by a low - resource environment” [ 41 ] but results of this study did not identify resources as a significant contributor to retention for either allied health cohort .
this study compared respondents from the 2008 rural allied health workforce (rahw) survey recruiting all ah professionals in rural new south wales. comparisons between public (n = 833) and private (n = 756) groups were undertaken using chi square analysis to measure association for demographics, job satisfaction and intention to leave. the final section of the rahw survey comprised 33 questions relating to retention. a factor analysis was conducted for each cohort. factor reliability was assessed and retained factors were included in a binary logistic regression analysis for each cohort predicting intention to leave .
rural ah professionals with a strong motivation to ‘make a difference’ may need to be equipped with skills to be able to manage the emotional stress of being unable to meet clinical demand [ 33 ] by use of a thorough orientation on arrival and strong mentorship for those who are geographically isolated or new to rural practice [ 28, 34 ]. at a policy level, funding of rural mentorship programs seems likely to meet with as much success in allied health [ 35 ] as it has in medicine [ 27 ] and these programs could be extended to ah professionals in both public and private sectors .
poor reliability of factor 6 (specialist generalist) may have been a reflection of questionnaire design as generalist work has been previously identified as favouring job satisfaction of rural ah professionals [ 43 ]. similarly, the ability to look into the important role of locums [ 9 ] was hampered by large amounts of missing data where survey questions did not apply to the respondents’ circumstances. with several items being not applicable to private practitioners it is also likely that the questionnaire design was biased towards issues affecting the public sector. further research is needed to clarify issues specific to the private sector in allied health .
the broad nature of rural practice has consistently been identified as having a favourable influence on both recruitment and retention in rural practice [ 39, 42, 43 ]. health service funding policy that rewards extended scope of practice may provide incentive to remain in rural private practice while simultaneously meeting the broad array of clinical needs in rural areas. “rural specialist” credentialing has been suggested for rural doctors [ 44 ] and the concept could be extended to the allied health professions as a means of ensuring public safety with extended practice roles. even within professional boundaries, rural ah professionals may lack confidence to cope with the role expansions required for rural practice [ 8, 17 ]. better access to continuing professional development (cpd) may remedy this .
the items in factor 2 (participation in community) were diverse and the underlying concept is perhaps debatable. it is interesting that items statistically clustering in this factor reflected both the quality of relationships and altruistic motivation. it has been suggested that community is formed in a context of relationships combined with purpose [ 30 ], hence the choice of title for this factor. our results point to a desire to meet community need [ 31 ] particularly in the public cohort where factor 2 (participation in community) was the strongest predictor of retention after adjusting for age group. these findings are consistent with o’toole et al. , (2008) suggesting the importance of social relationships in rural workforce retention in allied health [ 24 ] and also with research in respect of rural nurses [ 32 ] and doctors [ 27 ] .
most rural allied health workforce research has treated the group as a cohesive whole, both by profession and by sector. this paper demonstrates differences between those working in public versus private sectors and suggests that effectiveness of policy initiatives may be improved through better targeting. while orientation and mentoring are appropriate to both cohorts, early career opportunities and access to cpd may be best utilised in the public sector with a younger age demographic. in contrast locum support and recognition of “specialist generalist” expertise in more experienced rural practitioners may be more important for the older private sector. research is needed to identify the interplay of work roles, scope of practice and access to education enabling safe and competent clinical care, and evaluation research is needed to assess the feasibility and usefulness of extending workforce through use of qualified and supervised ah assistants to ameliorate high workloads .
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up to £100 in vouchers when you buy life insurance from zurich - use' zoffers' when you apply .
your home isn' t just about the bricks, the glass and the tiles - it' s also about the antique chairs, the brooch that' s been passed down over the generations and the wind chime in your garden that your daughter made at school. if something happens to those things, it' s not just your wallet that suffers - it' s your whole world .
please note this extra is only available when taking out or renewing home insurance cover .
this covers you if a family member, friend or visitor is injured in your home of if an insured person is injured or hospitalised following an accident, with up to £25, 000 bodily injury cover. please note, insured people under the age of 16 will only receive £7, 500 in the case of accidental death and underwriters are not liable to pay out on a claim if the insured person is aged 70 or over on the day of the accident .
add this to contents cover to make sure your possessions are insured when you' re away from home. if you lose a ring on holiday for example, personal possessions cover will insure you for the loss .
add this to your buildings or contents insurance to protect your home against unexpected events such as spillages on your carpet or a scorch mark to a kitchen work surface .
this protects your home against emergencies like burst pipes, boiler breakdown or repairs to a storm - damaged roof. it can also cover overnight accommodation costs if your home becomes unsafe or insecure. this cover is underwritten by amtrust europe limited and administered by arag plc .
add this to cover legal costs up to £50, 000 if you or your family who live with you are involved in a legal dispute. this cover is provided by das legal expenses insurance company limited .
add this to cover your garden against plant, tree and ornament damage or loss for up to £2, 500 .
you can add any of these optional extras to your plan at any point after you' ve taken out a policy with us .
we aim to provide you with a high standard of service, and there may be times when you feel you haven’t received the service you expect from us .
according to the unclaimed assets register there' s approximately £15 to £20 billion of unclaimed financial money in the uk .
a change of address is one of the most common reasons why people lose track of their insurance policies, pensions and investments over the years. death and failing to inform beneficiaries of financial accounts and policies is another .
we can easily check our records to see if you have any policies with us and this won' t cost you a penny .
to help us with the search for any older plans you may have taken out with us, you may also need to provide us with any previous names, addresses and details of your employment history .
if you know the name of the company, you can call them directly as they will be able to check their records for you .
if you are trying to trace a pension provided by a former employer, you can also try the free pension tracing service which is run by the department for work and pensions and can be found on the urltoken website .
alternatively, you can contact the unclaimed assets register (uar) which is a service provided by experian. this is the national register of lost and unclaimed life, pension and investment plans. the cost of a search through the uar is currently £25. 00 .
zurich is actively trying to reunite customers with their lost plans and unclaimed money. so if you do receive a letter from us, please get in touch. we may be able to reunite you with a lost policy and in some cases, return some money to you .
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investment week is hosting the great british pub quiz in aid of cascaid, initiative that brings the asset and wealth management communities together to raise £1million for great ormond street hospital in 2018 .
professional adviser is back this year with the multi asset roadshow, travelling to leeds, warrington, birmingham, bristol and london .
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as central banks move away from ultra - loose monetary policy, and the global economic expansion matures, bond fund managers will need to ensure their portfolios draw on a truly diverse range of sources of return... .
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partner insight: andy bennett, director of hartcliff financial planning and serena van der meulen, director at van der meulen associates met in london recently to discuss the topic:' adviser approaches to outsourcing.'
the traffic lights are turning redder than ever for britain' s army of endowment mortgage holders .
most of the 10. 7m endowment mortgage holders were sold plans by commission - chasing advisers during the property price boom in the late 80s and early 90s .
but while most firms stopped endowment sales from the mid - 90s, a few car ried on selling. this was what happened to enfield resident peter morrison. the (then) new requirement from regulator financial services authority to work out potential future benefits using lower stock market growth rates didn' t stop the salesman .
together with his wife donna, mr morrison ended up with a policy that needed an ultra - high growth rate if it was to pay off his loan .
three years ago, mr morrison, now 49, needed a £120, 000 mortgage. he already had endowments to cover £70, 000 of borrowing, and needed financing for the other £50, 000 .
a red light on an endowment update means the policy needs 8% or more growth each year to succeed; an amber light needs a less demanding 6% to 8% , while a policy which will work if the annual increases are below 6% has a green light .
the projected maturity values on his plan, supposed to produce £50, 211, showed that at 4% annual growth it would produce £37, 800; at 6% , it would end up with £42, 300 and even at 8% - the most optimistic rate allowed by the fsa watchdog - he could look forward to just £47, 800, equal to a shortfall of £2, 411 .
i saw an advert in a mortgage magazine for a firm of brokers in rugby. i was attracted by an offer of low legal and other costs ,
he says. the broker was central mortgage and financial services, owned by wade j. curzon .
we already had £70, 000 in endowments from the 80s and i was worried about them due to the adverse press. and neither of us really needed life insurance, as we were well covered by our workplace schemes ,
he says .
he decided we both needed a lot of insurance, including private medical care and long - term care. but what swung it was he said an endowment was cheaper than a repayment and if i agreed, he would pay my legal fees .
at the same time, the discount ended and mr morrison had to pay 5. 74% . now the interest rose to £239, giving a new total of £550. but the repayment loan was now £470. the endowment was costing about £80 a month more .
over the remaining life of the loan, mr morrison could expect to pay almost £10, 000 more and end up with a shortfall of up to £8, 000 .
he never told me any of this. he never sent me a repayment loan schedule ,
says mr morrison .
there is some insurance but this is too much .
the small print shows why mr curzon was so eager to sell the endowment. as a mortgage broker, he would receive
less than £250
( usually £100) from the staffordshire .
but by selling the endowment, curzon would receive £1, 975 in the first year and a further £1, 272 over the life of the policy - a £3, 247 total .
mr morrison says :
i want compensation so i am back where i should have been with a repayment loan .
© 2018 guardian news and media limited or its affiliated companies. all rights reserved .
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many thanks for your help. i' ll give them a call next week .
the ad pensions are serviced from zurich in the isle of man. you would be best writing to them first, providing proof of id and proof of your new address along with the policy number and then following up by phone a couple of weeks later. i used to work for them, and you will have to go through kyc anyway before they sort you out .
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quick poll: how do you feel about boris resigning? which of these is closest to your view .
i wonder if this is the start of a dripping tap of resignations. deliberately spreading them out to keep up the pressure on may ?
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allied dunbar was a large british life assurance group . in its early years it was known as hambro life assurance and was listed on the london stock exchange and was once a constituent of the ftse 100 index . however it was acquired by bat industries , merged with eagle star , and sold to zurich financial services in 1998 . 
allied dunbar was a large british life assurance group. in its early years it was known as hambro life assurance and was listed on the london stock exchange and was once a constituent of the ftse 100 index. however it was acquired by bat industries, merged with eagle star, and sold to zurich financial services in 1998.
allied dunbar was a large british life assurance group. in its early years it was known as hambro life assurance and was listed on the london stock exchange and was once a constituent of the ftse 100 index. however it was acquired by bat industries, merged with eagle star, and sold to zurich financial services in 1998.