Vince Smith-Hughes examines changing times for the annuity market.
The two main factors affecting the pricing of conventional annuities are the investment return on corporate bonds and how long the client is expected to live, together with how much to charge for the guarantee....
Illustrations and acceptance terms to be sent electronically
Well-known for roles at Miton and Coram
Is consulting on guidance on correct de-authorisation process
Spent 30 years in the business
Providers need clarity on where responsibility lies, he argues