CPD Webinar Presentation Tuesday 29 September 2020 - Building Sustainable Lasting Legacies
As every adviser knows, no two clients are the same. All will have very different goals and objectives, and understanding these are key when it comes to successful financial planning. In the context of legacy planning, it is also important to gain a true understanding of client’s individual beliefs, values and aspirations. For some clients, legacy planning may be primarily focused on ensuring that as much of their wealth as possible can be passed on to their loved ones. Others may be looking to use their investment power to make a wider positive change, seeking opportunities to invest in sectors that they know will be improving the world for generations to come. In the context of leaving a legacy, Business Relief investment services can offer a dual benefit. They provide a fast and flexible method of leaving a tax efficient financial legacy to loved ones. They can also provide a direct route to sustainable investment, providing access to sectors such as clean energy generation. This session will take a deep dive into how Business Relief solutions can provide both benefits. The sustainable investment sectors within our Business Relief service will be explained and analysed. The session will also provide the audience with an in-depth understanding of what planning options exist to help protect and maintain a financial legacy for future generations. These include combining Business Relief with trust planning to create a holistic, tax efficient plan that can satisfy the objectives of such clients. Consideration will be given to how financial planners can work effectively with other professional connections when building sustainable, lasting legacies.
Tue 29 Sep 10:00 am – 11:00 am
Anna Brooksbank, Time Investments
CPD Webinar Presentation Wednesday 30 September 2020 "FCA Test Case - the judgement"
FCA Business Interruption Test Case - the judgement This comprehensive and interactive one-hour webinar will focus on the judgement following the FCA’s ground-breaking test case at the High Court. The hearing concluded on 30 July and the judges have agreed to hand down their judgement for mid September. Eight days have been spent analysing countless policy wordings and individual words and their everyday meanings. The FCA consider some 370,000 insureds have had payments denied as insurers have interpreted wordings only to suit themselves and each of the eight insurers’ counsel has presented evidence and argument as to why their interpretation is correct and why the FCA has got this wrong. This case will be momentous and will set clear precedent as to the clarity of wordings and what needs to happen to ensure future cover is clear and understood by all parties. At the same time it will highlight the exposure for insurance brokers all of whom will have arranged these covers for clients (and some will be classed as co-manufacturers under PROD) and encourage them to robustly reassess their advice process under ICOBS and their overriding professional duty to clients thus ensuring their own professional indemnity costs remain reasonable (clearly not knowing how the case will go at this stage!).
Wed 30 Sep 2:00 pm – 3:00 pm
Branko Bjelobaba FCII, MIoD,
CPD Webinar Presentation Tuesday 13 October 2020 - How to maximise opportunities in the hard market
‘If you can keep your head when all about you are losing theirs and blaming it on you. If you can trust yourself when all men doubt you, then yours is the hard insurance market and all the distressed clients within in it.’ (an insurance version of Rudyard Kipling). There have been hard markets before, there have been recessions before, but never have the two emerged with such force at the same time. Policyholders desperate for savings will be receiving the unwelcome news of significant premium increases. The door of client inertia will be swung wide open, presenting fantastic new business opportunities, as well as offering serious threats to renewal books.
Tue 13 Oct 3:00 pm – 4:00 pm
CPD Webinar Presentation Wednesday 21 October 2020 - Understanding the implications of policy exclusions following Covid-19
We know pretty much the whole market will apply some sort of pandemic exclusion for pandemics/covid-19 or more worryingly the words communicable diseases will be used, this starts bringing all sorts of extra scenarios that will be excluded for clients. Importantly, this will be for liability as well as property and Bi and could leave a policyholder with a lawsuit that is not covered by their insurance policy. How exclusions are worded will be incredibly significant, with some proposed wordings being very scary indeed. An example being 'losses whether caused directly or indirectly by communicable diseases are excluded' - this does not look too scary, but it is! if a fire engine is delayed getting to a fire because the part time crew were in pandemic lock down then this loss may not be covered, the disease does not have to be the proximate cause with this proposed wording. All insurance staff need to understand the law relating to exclusions. This webinar will take delegates on a plain English walk on how the law applies to policy exclusions and proximate cause, so that they can explain to clients clearly and confidently the implications of the differing communicable disease exclusions that will be applied to your policyholders wordings. This webinar is suitable for brokers, underwriters, claims staff and loss adjusters.
Wed 21 Oct 3:00 pm – 4:00 pm
CPD Webinar Presentation Tuesday 22 September 2020 Manage your Fear and turn up with Confidence
Manage your fear and turn up confidently. There are situations where we are affected by fear; this could impact on our performance, or we could avoid taking up opportunities that could progress our career. In this powerful webinar, Susan shares techniques to understand and manage your fear so you can present the very best version of yourself in business situations. Using proven knowledge from Neuroscience as well as her experience as a professional musician, Susan delivers invaluable content.
Tue 22 Sep 12:00 pm – 1:00 pm
Susan Heaton-Wright, Virtual Impact, communicaitons & Speaking Expert, Speaker, Coach, Mentor,
Webinar - Fire & Fury, when disaster struck: What happened next?
Following on from last year's successful regional seminar, we're pleased to announce the second chapter focusing on the civil, fraud and criminal aspects of the disaster case-study. It promises to be a fascinating session, culminating in a mock-trial
Tue 15 Sep 9:45 am – 3:15 pm
With support from, DAC Beachcroft
CPD Webinar Presentation Thursday 20 August 2020 - Business Interruption Insurance - all you need to know, explained in plain English
Following the Arbory case, brokers are highly vulnerable to professional Indemnity claims due to inappropriate advice around BI insurance. One of the problems is that an accountants Gross Profit is different from insurance Gross Profit and policies could easily be set up incorrectly unless this distinction is understood. This webinar will help you get this right. Alan will take this opportunity to run through how business interruption insurance should be correctly set up. Alan will lift the myths away from Bi and show how, in his easy to understand style, you can get this cover on a correct footing going forward. This presentation will be applicable for brokers, underwriters, claims staff and loss adjusters.
Thu 20 Aug 4:00 pm – 5:00 pm
Webinar - CPD Presentation "How to set the correct property sums insured
It is estimated that 90% of policies have incorrect sums insured! This presentation looks at the major issue of under insurance in the UK property market and how to help your clients avoiding the under-insurance trap. The webinar will look at what clients actually need to take into when settling Buildings, Contents and Stock sums insured. Alan Chandler will explore why under insurance is so common, the effects of under insurance for the client and why under insurance is an increasing cause of Professional Indemnity claims against brokers. One of the problems is that the figures on the client’s balance sheet are not the same as those required for insurance purposes and Alan will point out the differences so that clients can be warned.
Tue 28 Jul 4:00 pm – 5:00 pm
CPD Webinar Presentation Tuesday 21 July 2020. A presentation by Chris Taylor, Tempo Structured Products
John Maynard Keynes is attributed with saying, ‘‘When the facts change, I change my views, what do you do?’’ This may be a good question for professional advisers to consider, when thinking about structured products. We are delighted to provide details of what promises to be an informative and thought-provoking session, presented by Chris Taylor, global head of Tempo Structured Products.
Tue 21 Jul 12:30 pm – 1:30 pm
Chris Taylor, Tempo Structured Products (sister company to TIME Investments
The Rise of Errors & Omission Claims Against Brokers & why Broker PI premiums are soaring
Broker Professional Indemnity premiums are in many cases doubling which reflect the fact that Pi underwriters believe the possibility of claims against brokers has never been higher. This presentation will explore why the amount of errors and omission claims against brokers are on the increase and how these can potentially be mitigated. Various new pieces of legislation including the brokers duty under the Insurance Act 2015, GDPR and the Insurance Distribution Directive are making brokers more vulnerable than ever, which coupled with increased litigation in society, increased client expectations and ever higher regulatory demands mean that brokers cannot continue to do what they have always done, far more proactivity is required. Alan Chandler who is widely regarded as one of the leading trainers and presenters within the UK will provide a number of examples of how the tide of litigation is turning against insurance brokers and what they need to do to mitigate their E&O risks.
Thu 02 Jul 2:00 pm – 3:00 pm