Adviser.royallondon.com

Financial wellbeing service

WEBBenefits for you. Employees and individual pension clients get access to: Financial guidance to help manage debt, budgeting, long-term saving, and retirement planning at …

Actived: 9 days ago

URL: https://adviser.royallondon.com/pensions/financial-wellbeing-service/

What replaced the lifetime allowance on 6 April 2024

WEBRemaining lump sum allowance = £268,275 – (25% x previously used % of lifetime allowance on 5 April 2024 x £1,073,100). No serious ill health lump sum has …

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Lifetime allowance changes for 2023-24

WEBThe changes from 6 April 2023 were: There is no lifetime allowance charge. Taxation of any lifetime allowance excess lump sum, serious ill-health lump sum, …

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Identify and Support Vulnerable Clients

WEBHow Royal London can help you identify and support vulnerable clients. We offer a wide range of resources, insights and support to help your firm identify vulnerable clients, …

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Medical conditions tool

WEBUlcerative colitis is a disease that causes inflammation in the colon and rectum. Small sores called ulcers can develop in the lining of the colon. Signs and symptoms. Symptoms …

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Find the pension application form

WEBFind the right pension application form. Use this page to locate, download, complete and submit Royal London pension application forms. Choose the right form for your client’s …

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Types of evidence

WEBWe may ask for a Miniscreen, Paramed or Doctor’s Examination: If the application breaches our medical underwriting limits for the type of cover applied for.; For certain occupations …

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Triviality and Small Pots

WEB25% of the lump sum is payable tax-free. The rest is payable at the member's marginal rate of income tax. This means that if they currently pay tax at the 20% basic rate tax then …

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Retirement benefits

WEBAlso it may not reflect the options available under a specific product which may not be as wide as legislations and regulations allow. All references to taxation are based on our …

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Relevant life plans

WEBA relevant life plan is a death in service plan set up and paid for by an employer. Relevant life plans shouldn't be used for the benefit of the business. Relevant …

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Whole of Life plan

WEBWhen Mary went to see her adviser, they recommended that Mary take out a Pegasus Whole of Life plan with reviewable premiums with an amount of cover of …

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Benefit options summary

WEBSubject to the individual’s remaining lump sum and death benefit allowance. Ill health & Severe ill health. Balance after tax-free cash taxed at marginal rate of income …

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Critical Illness Cover

WEBCritical Illness Cover. Deliver long term value for your clients with our Critical Illness Cover, designed to support your advice. We focus on being able to pay more Critical Illness …

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Submit pension application forms online

WEBFind the right pension application form. Need a specific form? Search for the exact pension form you require from our range, including application and block transfer forms. Submit …

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Transferring pensions in ill-health

WEB04 April 2024. 4 min read. If someone transfers from one pension scheme to another at a time when they know they are in ill-health, HMRC may treat this as a transfer of value …

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Future proofing your advice

WEBFuture proofing your advice – how protection can help deliver good customer outcomes. 27 July 2023. 60 min CPD. In this session, Gregor Sked – Senior Protection …

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Business Protection

WEBBusiness health check - In this webinar we show you how to analyse your protection business to ensure it’s performing at its best. We’ll take you through our personalised …

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