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This month

CPD Webinar Presentation Wednesday 21 October 2020 - Understanding the implications of policy exclusions following Covid-19

  • Wed 21 Oct 3:00 pm – 4:00 pm
    • Alan Chandler

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.

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CPD Webinar Presentation Tuesday 13 October 2020 - How to maximise opportunities in the hard market

  • Tue 13 Oct 3:00 pm – 4:00 pm
    • Alan Chandler

‘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.

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CPD Webinar Presentation Wednesday 30 September 2020 "FCA Test Case - the judgement"

  • Wed 30 Sep 2:00 pm – 3:00 pm
    • Branko Bjelobaba FCII, MIoD

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!).

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CPD Webinar Presentation Tuesday 29 September 2020 - Building Sustainable Lasting Legacies

  • Tue 29 Sep 10:00 am – 11:00 am
    • Anna Brooksbank, Time Investments

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.

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CPD Webinar Presentation Tuesday 22 September 2020 Manage your Fear and turn up with Confidence

  • Tue 22 Sep 12:00 pm – 1:00 pm
    • Susan Heaton-Wright, Virtual Impact, communicaitons & Speaking Expert, Speaker, Coach, Mentor

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.

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Webinar - Fire & Fury, when disaster struck: What happened next?

  • Tue 15 Sep 9:45 am – 3:15 pm
    • With support from, DAC Beachcroft

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

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CPD Webinar Presentation Thursday 20 August 2020 - Business Interruption Insurance - all you need to know, explained in plain English

  • Thu 20 Aug 4:00 pm – 5:00 pm
    • Alan Chandler

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.

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CPD Webinar Presentation Tuesday 28 July 2020 " How to set the correct property sums insured"

  • Tue 28 Jul 4:00 pm – 5:00 pm
    • Alan Chandler

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.

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CPD Webinar Presentation Tuesday 21 July 2020. A presentation by Chris Taylor, Tempo Structured Products

  • Tue 21 Jul 12:30 pm – 1:30 pm
    • Chris Taylor, Tempo Structured Products (sister company to TIME Investments

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.

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CPD Webinar Presentation Thursday 2nd July 2020 "The Rise of Errors and Omission Claims Against Brokers and why Broker PI premiums are soaring"

  • Thu 02 Jul 2:00 pm – 3:00 pm
    • Alan Chandler

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.

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CPD Webinar Presentation Tuesday 23 June 2020 - Non-financial misconduct in general insurance

  • Tue 23 Jun 2:00 pm – 3:00 pm
    • Branko Bjelobaba FCII, MIoD

This comprehensive and interactive webinar will focus on the recently issued Dear CEO letter and will cover FCA expectations, press coverage (incl Bloomberg’s findings), assessment of culture, changing behaviour, the key role of senior managers and how chartered status can help. In addition, there will be coverage of the FCA’s Business Plan for 2020/21 and Sector Views and highlighting what you need to do in respect of:- a) Leadership b) Purpose c) Approach to rewarding and managing people d) Governance, systems and controls This webinar is interactive and participants will be encouraged to debate their thoughts on the route to cultural maturity, motivators and what a good and healthy culture looks like. This webinar is suitable for both general insurance and financial services.

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CPD Webinar Presentation Thursday 18 June 2020 - Inheritance Tax & Business Relief (BR)

  • Thu 18 Jun 12:30 pm – 1:30 pm
    • Anna Brooksbank, Time Investments

We are pleased to announce that locally based Business Development Manager, Anna Brooksbank from TIME Investments will be running an Inheritance Tax and Business Relief webinar exclusively for members of the PFS. We would like to invite members that are keen to either learn more about this area of the market or who would like a refresher to book their space on the link below. The session will qualify CPD. Members will have the opportunity to learn more about Inheritance Tax, Business Relief (BR) and the many ways in which this area of the market can help build on opportunities within your business.

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CPD Webinar Presentation Thursday 11 June 2020 - FCA New Temporary Rules for General Insurance (in response to coronovirus)

  • Thu 11 Jun 2:00 pm – 3:00 pm
    • Branko Bjelobaba FCII, MIoD

This comprehensive and interactive one hour webinar will focus on the long list of new temporary rules and guidance now finalised by the FCA for the general insurance sector (apply from 18 May 2020) and is a one-stop-shop for knowing what has to be done in a compliant and timely manner. It goes in hand with the separate “How general insurance can cope financially as a result of coronavirus” event which looks at the critical financial aspects for intermediaries to enable them to ride out this storm.

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CPD Webinar Presentation Wednesday 3rd June 2020 - "Why you need to be talking to your Clients about D&O and EPL Cover Now!"

  • Wed 03 Jun 1:00 pm – 2:00 pm
    • Alan Chandler

A webinar presentation by Alan Chandler, who is one of the most popular insurance speakers in the UK, will present "Why you need to be talking to your Clients about D&O and EPL Cover Now!" The webinar will be suitable for brokers, insurers and IFA's who may want to purchase this coverage for their own business.

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CPD Webinar Presentation Thursday 21 May 2020 - How to correctly advise policyholders on the Policy coverage gaps caused by the Covid-19 lockdown

  • Thu 21 May 3:00 pm – 4:00 pm
    • Alan Chandler

The Covid-19 lockdown has created far more gaps in covers than most brokers realise, and this webinar takes a look at where these coverage gaps arise and how best to advise your clients on these issues. Alan Chandler, who has recently delivered the very well received Bi and Covid-19 will be providing this webinar on the essential things a broker must take into account, these will include his top ten tips which if followed will mean broking staff will be very busy.

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CPD Webinar Presentation Tuesday 19 May 2020 - Bonds, trust and estate planning - getting the right balance.

  • Tue 19 May 10:00 am – 11:00 am
    • Neil Jones, Canada Life

Trust-based inheritance tax solutions have developed over many years alongside investment bonds and the various arrangements available can provide differing levels of access and varying IHT efficiencies. In this session we look at some of the common estate planning solutions available to advisers and how they can be used as part of a strategy to mitigate inheritance tax.

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CPD event Tuesday 17 March 2020 - has been cancelled

  • Tue 17 Mar 6:00 pm – 7:00 pm
  • Novotel York
    • Kevan Ramanauckis, Canada Life

Kevan will outline any Budget changes that will impact retirement advice – Good, bad or ugly and will describe new business opportunities, that arise from issues raised by the January 2020 “FCA Dear CEO letter”. Kevan will demonstrate how optimising income from all the clients assets and income can deliver the retirement they want and increase the legacy they leave and will demonstrate strategies to keep clients invested longer and de-risk retirement, for those with fund values of between £50,000 to £150,000.

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CPD event Tuesday 25 February 2020 - Personal Injury Claims - Where Next?

  • Tue 25 Feb 6:00 pm – 7:00 pm
  • Novotel York
    • Bernard Thornton, Chartered Insurance Practitioner

Over the last 25 years, few areas of the insurance market have seen such frequent and significant changes than that of personal injury claims. Various reforms have been introduced in attempts to tackle sensitive issues such as access to justice, fraud, legal fees and their effect on premium levels. Unsurprisingly these have generated strong feelings on all sides of the argument. In April 2020, the Civil Liability Act will introduce what are likely to be the most sweeping changes of all. This lecture looks at the background to the current market for injury claims and predicts the likely outcomes for insurers, intermediaries, claimants and the insuring public. This presentation will be of value to those involved in Motor claims, underwriting, broking or anyone wishing to widen their knowledge of a highly topical and sometimes contentious aspect of general insurance.

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CPD event Tuesday 21 January 2020 - ESG Investing

  • Tue 21 Jan 6:00 pm – 7:00 pm
  • Novotel York
    • Graham Finley, BMO Global Asset Management (EMEA)

Asset management has been transformed recently by: the cultural changes that followed the financial crisis, the rise of technology, the growth in regulation and the expansion of Emerging Markets. The most profound however, and the most exciting is the debate about the purpose of Investing. Across the financial sector, there is growing recognition that whilst of course delivering financial returns is our objective, we also need to analyse how our actions - or inactions - have an impact on the world’s needs. Responsible investment is an umbrella term that incorporates a range of practices and approaches in considering the key environmental, social and governance (ESG) risks, opportunities and impacts of the investing. This takes many forms and has evolved from being primarily an exclusionary approach to one of integrating analysis of relevant ESG issues into investment processes; engaging in dialogue with companies on significant matters related to ESG issue; reducing risk; improving performance; encourage best practice and underpinning long-term investor value.

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