‘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 [...]
John Lamb Hill Oldridge’s team members have been recognised with awards and nominations throughout 2023
Throughout 2023, our team members have been recognised by several leading industry awards and publications. These awards demonstrate the team’s commitment to excellence in their field and their dedication to helping clients secure the most [...]
Recent contributions from the team at John Lamb Hill Oldridge in the media
Our team members are experts in their field and regularly contribute to industry-leading publications to share their knowledge and experience with others. Here are a few of the most recent contributions our team members have [...]
‘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 [...]
The service and expertise of John Lamb Hill Oldridge has been celebrated at key awards and in the press
We are delighted to announce that our director, Paula Steele, follows up her silver Lifetime Achievement Award at the Citywealth Magic Circle Awards by being selected as a judge for the 2023 ceremony. It [...]
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 [...]
EQUITY RELEASE CAN PROVIDE MUCH NEEDED SUPPORT IN THESE CHALLENGING TIMES
Equity Release can be a powerful tool for helping people meet their financial objectives in later life. However, the potential advantages of Equity Release have taken on a renewed significance in light of the [...]
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 [...]
