Podcast: Ken Maxwell discusses “A broker’s perspective on the underwriting challenges for high-value life cover” on IFA Talk
Director Ken Maxwell was recently invited to speak on the IFA Talk podcast, sharing a broker’s perspective on the underwriting challenges for high-value life cover. Ken covered a range of topics with hosts Sue and [...]
New pensions taxation rules
In this video, Director Paula Steele explains how the taxation of pensions could change from April 2027. Please click here to view the full video
Changes to IHT
In this video, John Lamb Hill Oldridge Director Paula Steele summarises the proposed changes to inheritance tax that were outlined in the Budget in October 2024. Please click here to watch the full video [...]
How life insurance can help address new inheritance tax liabilities for farmers
As financial advisers and legal professionals, you are at the forefront of helping your clients navigate the complex landscape of tax liabilities, especially in light of recent changes to inheritance tax (IHT) regulations. One particular [...]
Leading Insurance Expert Announces Office Expansion to Support Continued Growth
John Lamb Hill Oldridge, the UK’s foremost specialist protection adviser, is excited to announce the expansion of its office space to the City of London to accommodate the company’s ongoing growth and to better serve [...]
John Lamb Hill Oldridge shortlisted at the 2025 Global Advisory Experts Annual Awards
We are delighted to announce that John Lamb Hill Oldridge has been shortlisted for the Financial Planning Advisory Firm of the Year in England at the 2025 Global Advisory Experts Annual Awards. These awards recognise [...]
A New Partnership: John Lamb Hill Oldridge joins as a Corporate Friend of Horatio’s Garden London & South East
We are thrilled to announce that John Lamb Hill Oldridge has become a Corporate Friend of Horatio’s Garden London & South East. This exciting partnership underscores our commitment to making a meaningful impact in the [...]
Introduction of caps on Agricultural Property Relief (APR) and Business Property Relief (BPR)
The upcoming introduction of caps on Agricultural Property Relief (APR) and Business Property Relief (BPR) in April 2026 is likely to generate significant tax planning activity, particularly around the gifting of agricultural and business assets. [...]
‘Outsourcing protection advice: Should you, or shouldn’t you?’ by Paula Steele published in Protection Reporter
In the ever-evolving landscape of protection advice in the UK, the decision to outsource protection advice is becoming an increasingly relevant topic for financial advisers and firms. Protection products, such as Life Insurance, Critical Illness [...]
‘Opportunities for the life insurance industry from Budget proposals’ by Paula Steele published in Cover Magazine
Paula Steele, director, John Lamb Hill Oldridge, discusses how the Autumn Budget creates a need for protection for clients impacted by new Inheritance Tax (IHT) restrictions. The Autumn Budget on 30 October confirmed the changes [...]
Life insurance for Non-Doms: April 2025 deadlines
April 2025 deadlines: If clients are thinking of buying life insurance covering ongoing or tail liabilities and want cover pre-April 2025, they should be aware; Timing of Insurance and Risk Management: For clients planning to [...]
‘Gifting before the budget’ by Paula Steele published in IFA Magazine
Many clients are concerned that there may be changes to capital gains tax and Inheritance tax in the Budget on 30th October and they may well be right! In order to potentially avoid these potential tax changes many clients are [...]
9 frequently asked questions about life insurance for high-net-worth clients
Life insurance can be a complex subject, so it is natural for your high-net-worth clients to have questions if you are thinking of arranging this to support them with their succession planning. By understanding more [...]
Q&A with Ken Maxwell, director at John Lamb Hill Oldridge
In this new series of Q&A articles, you can learn more about our esteemed team members who ensure that our clients receive the very highest level of service. Ken Maxwell is one of the directors [...]
How does John Lamb Hill Oldridge support you through the protection claims process?
Making a claim on an insurance policy can be time-consuming, especially since high-net-worth (HNW) and ultra-HNW (UHNW) clients may have complex financial arrangements in place. By working with our brokers here at John Lamb Hill [...]
‘How do advisers address the complex needs of HNW clients?’ by Holly Hill published in Professional Adviser
In this article for Professional Adviser, Holly Hill explore how advisers can best serve the high net worth community and deal with their complex needs. There are a number of additional things to consider when [...]
‘Land Succession for the NextGen: Land and Estate Disputes’ webinar with Paula Steele by ThoughtLeaders4
Webinar organised by Thought Leaders 4 Private Client. In this session, we explored strategies to safeguard a family’s legacy and navigating complex land and estate disputes. The panellists covered points on: Succession issues on land [...]
‘Could life insurance be an effective solution in some circumstances for contentious trusts?’ by Jonathan Morris in ThoughtLeaders4 Private Client Magazine
Trusts serve to oversee and manage assets throughout an individual’s life and often intergenerationally, normally for tax planning or safeguarding purposes. Despite their undoubted benefits sometimes contentious situations may arise prompting trustees to consider terminating [...]
‘Inheritance tax considerations on the sale of a business’ by Holly Hill published in The Month magazine
In the following article, published in The Month magazine, Holly Hill, senior associate at John Lamb Hill Oldridge, explores the potential implications of the sale of a business on future inheritance tax (IHT) liability. She [...]
2 key medical underwriting trends that could benefit your clients in 2024
When arranging life insurance and income protection for your high-net-worth and ultra-high-net worth clients, it is important to understand how certain pre-existing conditions might affect their premiums. Clients who have mental health conditions or who [...]
Using life insurance as an alternative to holding assets in trust – a thought piece
In the following article, Jacob Fay, protection specialist at John Lamb Hill Oldridge, explores how life insurance can be a cost-effective alternative to holding assets in trust for high-net-worth clients and their families. Using life [...]
‘Using life insurance as a tax planning tool’ by Holly Hill in ThoughtLeaders4 Private Client Magazine
Insurance can be highly effective when used as part of the client’s cash flow management profiling on death. In this article, we demonstrate how life insurance can be used in three tax planning scenarios. Death [...]
‘Using life insurance as an alternative to holding assets in trust’ by Jacob Fay published in IFA Magazine
Within estate planning, the debate between procuring life insurance versus placing assets into trust is one that often arises. Both avenues offer distinct advantages and serve unique purposes, yet the choice between them hinges on [...]
‘Underwriting challenges of the hazardous pursuits of HNW and UHNW individuals’ by Jacob Fay published in COVER Magazine
"It is important that advisers can approach the whole market" Hazardous pursuits encompass a broad range of high-intensity activities that often involve elements of speed, height, and exposure to challenging environments. Many of these pursuits [...]
‘Simplifying life insurance for financial planning clients’ by Jonathan Morris and Darren Lee published in FT Adviser
Research suggests that confusion around life insurance is one of the reasons fewer millennials are buying policies compared to previous generations. Long-winded questionnaires and the possibility of medical screenings add to the complexity. It is [...]
Business Relief as an offset for inheritance tax: Here is how it might work
At the end of their lives, your clients are likely to want to bestow a significant amount of their wealth and assets to their family. If they have accrued a sizeable estate, their beneficiaries might [...]
Using trusts to avoid the inheritance tax liability on life insurance payouts
Life insurance is often a key component of a high net worth (HNW) client’s long-term financial protection. The policy payouts provide the liquidity to cover their inheritance tax (IHT) bill after they die, allowing their [...]
John Lamb Hill Oldridge launches a Renewal and Valuation Service for life insurances
LONDON, 13th September 2023 John Lamb Hill Oldridge is delighted to announce the launch of its Renewal and Valuation Service for life insurance policies. Clients, Trustees and Advisers face a myriad of issues where they [...]
Family Income Benefit: a fantastic protection solution for divorcing clients
Family Income Benefit: a fantastic protection solution for divorcing clients Divorce can have a significant impact on a family's financial stability, making it crucial to ensure that both parties involved, as well as any dependents, [...]
Guaranteed whole-of-life assurance: here is why it might be an attractive option
Guaranteed whole-of-life assurance contracts have come back into the limelight recently. They offer high internal rates of return guaranteed not only by the issuing insurer, but also by the Financial Services Compensation Scheme (FSCS), which [...]
‘Female entrepreneurs in the private client industry’ by Alex Gibson-Watt
The private client industry has a reputation for being male dominated, however there are many, very successful and entrepreneurial women at the forefront of the industry who are driving change [...]
The latest facial recognition technology: 3 reasons it might improve underwriting and benefit client wellness
Since the invention of the computer and the advent of the internet, technology has rapidly progressed, filtering into our everyday lives and changing the way our society functions on a daily basis. The pandemic [...]
Death and taxes: Why IHT problems might be solved by valuable protection
Death and taxes are two issues that all of our clients are guaranteed to face and it is highly likely that inheritance tax (IHT) in particular will make up a considerable part of their [...]
What cancer diagnosis delays mean for the life insurance market and how it can affect your clients’ cover
The last few years of global events have felt like a series of dominos colliding as each new issue inevitably gives rise to a further problem. It has made for an unforgiving and uncertain [...]
How the pandemic has affected life insurance rates and what your clients need to know
The consequences of the pandemic have been widespread throughout society and the insurance industry has not been shielded from the effects. Prior to the pandemic, insurance premiums were at historically low rates Following the [...]
3 valuable lessons for dealing with the fallout from divorce
Divorce can be an emotionally draining process with the fallout affecting separating spouses in a variety of ways. When couples marry, they typically merge their respective lives and, in the event of divorce, the [...]
Arranging maintenance cover for a divorced client
A man in his 70s and a woman in her 60s with a property worth £4 million. Their existing lifetime mortgage of £1.6 million had a relatively high interest rate of just above 7%, which meant that the amount owing was increasing rapidly. The couple were concerned about the loss of equity from their property.
“Keep it in the family” – download our comprehensive new Inheritance Tax guide now
Conversations about money are rarely easy or straightforward, particularly when family is involved. Despite this, it’s important for your clients to start talking about passing on wealth early in life so that they can [...]
Why it’s so important to seek specialist advice when arranging high-net-worth life insurance
For most people, life insurance is an important part of protecting their family and other dependents. For a high-net-worth (HNW) individual with major financial commitments, obtaining the appropriate level of cover is even more vital. [...]
UK REAL-ESTATE AND THE REGISTER OF FOREIGN OWNERS
UK REAL-ESTATE AND THE REGISTER OF FOREIGN OWNERS: BE PREPARED FOR NEW REGISTRATION REQUIREMENTS. As a transparency measure, the Government is set to introduce a Register of People with Significant Control over Overseas Companies [...]
REDUCE IHT ON YOUR LONDON PROPERTY: AN INTERVIEW WITH MICHELLE CARTWRIGHT
Our international insurance specialist, Michelle Cartwright, recently had the pleasure of being interviewed by Jeremy McGivern of Mercury Homesearch. Jeremy was interested in finding out how individuals can legally avoid facing a large IHT bill [...]
NEW UK REGISTER TO IDENTIFY FOREIGN OWNERS OF PROPERTY
NEW UK REGISTER TO IDENTIFY FOREIGN OWNERS OF PROPERTY WILL EXPOSE BRITISH EXPATS AND OVERSEAS NATIONALS TO MAJOR INHERITANCE TAX HIT At a glance New register of overseas entities that own UK property comes [...]
BUSINESS AS USUAL – WELL, NEARLY!
Spring has most certainly sprung and at John Lamb it is business as usual; we continue to provide expert, specialist advice to our clients and professional friends as we always have done. However, the [...]
HELPING TO NAVIGATE UNCERTAIN TIMES
The last few weeks have been full of highs and lows. I feel like that’s just the way the world will be for the next few weeks or months, lots of difficult moments, flecked [...]
BUSINESS GOES ON – THE WORLD KEEPS SPINNING
Now that most of us are spending most – if not all – of our time at home, the John Lamb Team, have been dealing with the challenges of TEAMS, conference calling and a degree of [...]
IHT ON UK RESIDENTIAL PROPERTY – A BRIEF UPDATE
We’ve been watching with interest to see the outcome of the discussion between HMRC and the collective of professional bodies who questioned HMRC’s interpretation of the 2015 legislation around changes to inheritance tax charges [...]
WHY SHOULD YOU CARE ABOUT INHERITANCE TAX?
"WHEN I DIE AND AM BURIED, IT WON'T MATTER ANYMORE AND IT WON'T BE MY PROBLEM" Approaches to Inheritance Tax (IHT) range from the laissez-faire, leave it to the children, attitude to the [...]