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# John Lamb Hill Oldridge

The UK’s Foremost Specialist Protection Adviser

## Sitemaps

- [XML Sitemap](https://jlho.co.uk/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [‘Why life and income protection planning is essential for every business’ by Ken Maxwell published in Professional Adviser.](https://jlho.co.uk/blog/2025/11/13/why-life-and-income-protection-planning-is-essential-for-every-business-by-ken-maxwell-published-in-professional-adviser/) - In a recent article for Professional Adviser, John Lamb Hill Oldridge Director Ken Maxwell discusses the importance of life and income protection planning for every business. As well as driving profit and growth, sensible protection planning can also preserve livelihoods, relationships and the long-term vision of a business. Click here to read the full article.
- [John Lamb Hill Oldridge featured in the Financial Times: Life insurance and inheritance tax planning](https://jlho.co.uk/blog/2025/07/16/john-lamb-hill-oldridge-featured-in-the-financial-times-life-insurance-and-inheritance-tax-planning/) - John Lamb Hill Oldridge featured in the Financial Times: Life insurance and inheritance tax planning
- [Protecting £100 million in family gifts ahead of the 2026 APR/BPR changes](https://jlho.co.uk/blog/2025/11/10/protecting-100-million-in-family-gifts-ahead-of-the-2026-apr-bpr-changes/) - Discover how a tailored gift inter vivos strategy can safeguard significant wealth transfers amid upcoming legislative changes for APR and BPR.
- [Jacob Fay featured in CityWealth Leaders List Interview](https://jlho.co.uk/blog/2025/10/30/jacob-fay-featured-in-citywealth-leaders-list-interview/) - We are proud to share that Jacob Fay, Associate at John Lamb Hill Oldridge, has been featured in CityWealth’s Leaders List interview this week. In the piece, Jacob shares insights into his work advising high-net-worth and ultra-high-net-worth clients on strategic protection planning, from navigating complex underwriting to managing inheritance tax liabilities. Thank you to Citywealth
- [Alex Gibson-Watt and Paula Steele interviewed by FT Adviser on the role of specialist protection advisers for HNW and UHNW clients](https://jlho.co.uk/blog/2025/10/08/alex-gibson-watt-and-paula-steele-interviewed-by-ft-adviser-on-the-role-of-specialist-protection-advisers-for-hnw-and-uhnw-clients/) - With inheritance tax changes now being discussed in national news, more IFAs are looking to John Lamb Hill Oldridge for support with protecting their clients’ estates. In a recent interview with FT Adviser, Directors Paula Steele and Alex Gibson-Watt discussed the important role of specialist protection brokers in supporting high-net-worth and ultra-high-net-worth clients. Click here
- [‘Advising UHNW clients on life insurance and estate liquidity’ by Jacob Fay, published in IFA magazine](https://jlho.co.uk/blog/2025/09/23/advising-uhnw-clients-on-life-insurance-and-estate-liquidity-by-jacob-fay-published-in-ifa-magazine/) - Advisors working with high-net-worth and ultra-high-net-worth clients in the UK are operating in an increasingly complex environment when it comes to estate planning. A central concern is how to manage substantial inheritance tax (IHT) exposure while ensuring that the estate has sufficient liquidity to meet tax liabilities after death. The issue is compounded for clients
- [LIFE INSURANCE SEPTEMBER 2025](https://jlho.co.uk/blog/2025/09/19/life-insurance-september-2025/) - Download Rates Table
- [GIFT COVER SEPTEMBER 2025](https://jlho.co.uk/blog/2025/09/19/gift-cover-september-2025/) - Download Rates Table
- [BUSINESS PROTECTION SEPTEMBER 2025](https://jlho.co.uk/blog/2025/09/19/business-protection-september-2025/) - Download Rates Table
- [WHOLE OF LIFE SEPTEMBER 2025](https://jlho.co.uk/blog/2025/09/19/whole-of-life-september-2025/) - Download Rates Table
- [FIXED TERM SEPTEMBER 2025](https://jlho.co.uk/blog/2025/09/19/fixed-term-september-2025/) - Download Rates Table
- [Protecting family businesses: Preparing high-net-worth and ultra-high-net-worth clients for the 2026 changes to Business Property Relief](https://jlho.co.uk/blog/2025/08/19/protecting-family-businesses-preparing-high-net-worth-and-ultra-high-net-worth-clients-for-the-2026-changes-to-business-property-relief/) - Incoming changes to Business Property Relief could see family businesses facing new IHT challenges. Life insurance is a strategic solution which could help
- [Q&A with Dan Garcia, Director at John Lamb Hill Oldridge](https://jlho.co.uk/blog/2025/08/19/qa-with-dan-garcia-director-at-john-lamb-hill-oldridge/) - In this 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. Dan Garcia is one of the directors at John Lamb Hill Oldridge. He took on the role in 2005 and is one of our team’s technical experts in
- [Our latest rate cards are now available](https://jlho.co.uk/blog/2025/08/20/our-latest-rate-cards-are-now-available/) - We have a wide range of life insurance products available, from whole-of-life to business protection, and our latest rate cards are now available
- [Associate Jacob Fay shortlisted in the CityWealth Future Leaders Awards 2025](https://jlho.co.uk/blog/2025/08/19/associate-jacob-fay-shortlisted-in-the-citywealth-future-leaders-awards-2025/) - Associate Jacob Fay has been shortlisted in the CityWealth Future Leaders Awards 2025, recognising his hard work and contribution to the team and the profession
- [‘Must have protection for businesses is same as for individuals’ Paula Steele interviewed for FTAdviser](https://jlho.co.uk/blog/2025/08/12/must-have-protection-for-businesses-is-same-as-for-individuals-paula-steele-interviewed-for-ftadviser/) - Business protection is just as important as personal protection, but it requires specialist knowledge and skill to secure the most suitable cover for high-net-worth and ultra-high-net-worth clients. This was the subject of discussion when Director Paula Steele was interviewed for a piece for FTAdviser. In a featured Q&A article, Paula discusses the risks that business
- [Ken Maxwell appears on Professional Adviser TV to discuss the unique needs of high-net-worth and ultra-high-net-worth clients](https://jlho.co.uk/blog/2025/07/25/ken-maxwell-appears-on-professional-adviser-tv-to-discuss-the-unique-needs-of-high-net-worth-and-ultra-high-net-worth-clients/) - John Lamb Hill Oldridge Director Ken Maxwell appeared on a recent episode of Professional Adviser TV. Alongside the presenters, Ken discussed the unique needs of high-net-worth and ultra-high-net-worth clients amid the changes to the non-dom status and other tax changes that are expected. You can click this link to view the full episode and read
- [New pensions taxation rules](https://jlho.co.uk/blog/2025/06/20/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](https://jlho.co.uk/blog/2025/06/20/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
- [Podcast: Ken Maxwell discusses “A broker’s perspective on the underwriting challenges for high-value life cover” on IFA Talk](https://jlho.co.uk/blog/2025/07/09/podcast-ken-maxwell-discusses-a-brokers-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 Meg, including: Capacity issues for large cases How previous health issues can affect premiums Differences in underwriting decisions at the
- [Using life insurance to cover the inheritance tax tail for a high-net-worth client’s gifting strategy](https://jlho.co.uk/blog/2025/07/09/using-life-insurance-to-cover-the-inheritance-tax-tail-for-a-high-net-worth-clients-gifting-strategy/)
- [Arranging life insurance for a married couple to cover their £3 million inheritance tax liability](https://jlho.co.uk/blog/2025/07/02/arranging-life-insurance-for-a-married-couple-to-cover-their-3-million-inheritance-tax-liability/)
- [How life insurance can help address new inheritance tax liabilities for farmers](https://jlho.co.uk/blog/2025/04/24/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 area that has seen significant challenges is the farming community. The combination of rising land values and increased IHT liabilities
- [Paula Steele has been featured in the Spear’s 500](https://jlho.co.uk/blog/2025/01/27/paula-steele-has-been-featured-in-the-spears-500-2/) - We are delighted to announce that our Director, Paula Steele, has been featured in the new edition of the Spear’s 500. This is the 10th edition of the Spear’s 500, which is the original and most in-depth guide to advisers to ultra-high-net-worth individuals and family offices. The rankings and selections of the Spear’s Research Unit
- [‘How advisers can use protection specialists to better serve clients’ by Ken Maxwell published in FT Adviser](https://jlho.co.uk/blog/2025/04/24/how-advisers-can-use-protection-specialists-to-better-serve-clients-by-ken-maxwell-published-in-ft-adviser/) - In the ever-evolving world of financial services, wealth accumulation is no longer the sole focus of advisers. Today, clients demand a more holistic approach to their financial wellbeing; one that also includes risk management and protection planning. In this context, partnering with protection specialists can be a game-changer for financial advisers. Protection specialists bring expertise
- [Leading Insurance Expert Announces Office Expansion to Support Continued Growth](https://jlho.co.uk/blog/2025/03/17/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 its clients. The new office, located at 25 Eastcheap, London EC3M 1DE, provides additional resources and improved infrastructure necessary for
- [Q&A with Holly Hill, Associate Director at John Lamb Hill Oldridge](https://jlho.co.uk/blog/2025/03/06/qa-with-holly-hill-associate-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. Holly Hill is an Associate Director at John Lamb Hill Oldridge. Since joining the team in 2022, she has helped advise our high-net-worth and ultra-high-net-worth clients about
- [The important role life insurance can play for high-net-worth and ultra-high-net-worth individuals following the proposed changes to Business Relief and non-domiciled tax rules](https://jlho.co.uk/blog/2025/03/06/the-important-role-life-insurance-can-play-for-high-net-worth-and-ultra-high-net-worth-individuals-following-the-proposed-changes-to-business-relief-and-non-domiciled-tax-rules/) - In the new Labour government’s Autumn Budget, Chancellor Rachel Reeves announced some of the biggest changes to tax rules for non-domiciled individuals for many years. As a result, many high-net-worth and ultra-high-net-worth clients are considering how to mitigate the tax burden on their assets. Life insurance can be a cost-effective and helpful way to mitigate
- [Title: Practical tips for women in the UHNW advisory sector by Alex Gibson-Watt published in IFA magazine](https://jlho.co.uk/blog/2025/03/10/title-practical-tips-for-women-in-the-uhnw-advisory-sector-by-alex-gibson-watt-published-in-ifa-magazine/) - As a woman working within the UHNW advisory sector, you have a unique opportunity to break barriers, lead change, and create a more inclusive future. Here’s some personal advice to not only thrive but accelerate your success in this industry. 1. Invest in knowledge When I started my career, I quickly realised that knowledge was
- [John Lamb Hill Oldridge shortlisted at the 2025 Global Advisory Experts Annual Awards](https://jlho.co.uk/blog/2025/02/10/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 excellence, innovation and performance across the legal communities from around the world. They give a comprehensive analysis of the industry
- [Managing the financial up and down cycle for wealthy clients](https://jlho.co.uk/blog/2025/02/07/managing-the-financial-up-and-down-cycle-for-wealthy-clients/)
- [A New Partnership: John Lamb Hill Oldridge joins as a Corporate Friend of Horatio’s Garden London & South East](https://jlho.co.uk/blog/2025/01/31/a-new-partnership-john-lamb-hill-oldridge-joins-as-a-corporate-friend-of-horatios-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 community by supporting an extraordinary charity that enhances the wellbeing of people facing life-changing injuries. About Horatio’s Garden Horatio’s Garden
- [Introduction of caps on Agricultural Property Relief (APR) and Business Property Relief (BPR)](https://jlho.co.uk/blog/2024/12/02/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. Given the significant impact these reliefs currently have on reducing inheritance tax (IHT) liabilities, the changes will prompt individuals and
- ['Outsourcing protection advice: Should you, or shouldn’t you?' by Paula Steele published in Protection Reporter](https://jlho.co.uk/blog/2024/12/02/outsourcing-protection-advice-should-you-or-shouldnt-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 Cover (CIC), and Income Protection (IP), are essential components of financial security, but delivering these services requires time, expertise, and
- ['Opportunities for the life insurance industry from Budget proposals' by Paula Steele published in Cover Magazine](https://jlho.co.uk/blog/2024/11/25/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 for non-dom clients proposed by the Conservatives last March. In addition it introduced sweeping changes to IHT with pension funds,
- [Life insurance for Non-Doms: April 2025 deadlines](https://jlho.co.uk/blog/2024/11/13/life-insurance-for-non-doms/) - 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 leave before April 2025, the insurance must be put in place before departure as the UK insurance market will only
- [EQUITY RELEASE CAN PROVIDE MUCH NEEDED SUPPORT IN THESE CHALLENGING TIMES](https://jlho.co.uk/blog/2020/03/19/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 current global economic climate, here we explain why. WHAT’S HAPPENING IN THE MARKETS? The past week has seen some big shifts
- [Leading expert launches dedicated insurance-based investment products advice team](https://jlho.co.uk/blog/2024/07/18/leading-expert-launches-dedicated-insurance-based-investment-products-advice-team/) - Offshore bonds aka PPLI aka Insurance based investment products John Lamb Hill Oldridge offers advice and intermediation (placement) and ongoing servicing for offshore bonds and is fully regulated to give this advice in the UK. It doesn’t offer investment management of the underlying funds. With the possible rise in CGT and maybe even a rise
- [The service and expertise of John Lamb Hill Oldridge has been celebrated at key awards and in the press](https://jlho.co.uk/blog/2022/10/24/the-service-and-expertise-of-john-lamb-hill-oldridgehas-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 follows a whole host of achievements and accolades for Paula, who has consistently delivered success for John Lamb Hill Oldridge over
- [John Lamb Hill Oldridge’s team members have been recognised with awards and nominations throughout 2023](https://jlho.co.uk/blog/2024/02/20/john-lamb-hill-oldridges-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 appropriate support for their needs. Below, you can read about the awards that our team members and our business have
- [Recent contributions from the team at John Lamb Hill Oldridge in the media](https://jlho.co.uk/blog/2024/02/20/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 made that you may find of interest. In Conversation With… Ken Maxwell, Director at John Lamb Hill Oldridge Director at
- [Holly Hill promoted to associate director](https://jlho.co.uk/blog/2024/07/18/holly-hill-promoted-to-associate-director-2/) - The UK’s foremost specialist protection adviser, John Lamb Hill Oldridge, has boosted its leadership team by promoting Holly Hill to the role of associate director. A former Team GB rower, Holly joined John Lamb Hill Oldridge in 2022 and has excelled in her role within the Estates team. In 2022 she took home bronze in
- [John Lamb Hill Oldridge wins gold at the Citywealth Magic Circle awards](https://jlho.co.uk/blog/2024/07/18/john-lamb-hill-oldridge-wins-gold-at-the-citywealth-magic-circle-awards/) - Here at John Lamb Hill Oldridge, we are dedicated to providing the highest quality service to all of our clients. It is our mission to help them feel reassured about the future by arranging the most suitable financial protection for their needs. While the results we achieve for our clients will always be our top
- [John Lamb Hill Oldridge is proud to support St Christopher's Dinner at Goldsmiths' Hall](https://jlho.co.uk/blog/2024/11/04/john-lamb-hill-oldridge-is-proud-to-support-st-christophers-dinner-at-goldsmiths-hall/) - We’re proud to continue our long history of supporting St Christopher's Hospice. They are more than a local hospice. They exist to promote and provide skilled and compassionate palliative care of the highest quality. St Christopher’s Hospice is also one of the world's largest providers of palliative care training, with a local, national, and international education
- [‘The impact of Consumer Duty on legacy life insurance policies’ by Paula Steele published in <em>FTAdviser</em>](https://jlho.co.uk/blog/2024/10/21/the-impact-of-consumer-duty-on-legacy-life-insurance-policies-by-paula-steele-published-in-ftadviser/) - The 31st July has come and gone and we are now in the new (or not so new) world of Consumer Duty on legacy products. John Lamb Hill Oldridge is a specialist life insurance broker for high- and ultra-high-net-worth clients. It has a legacy book of over 1,300 policies and remains responsible for ongoing advice
- [John Lamb Hill Oldridge celebrates 65-year anniversary with a partners’ dinner](https://jlho.co.uk/blog/2024/10/21/john-lamb-hill-oldridge-celebrates-65-year-anniversary-with-a-partners-dinner/) - This year, John Lamb Hill Oldridge celebrates its 65th anniversary. As part of the celebrations, the company held a partners’ dinner on Tuesday 1st October. The event was held at Wild by Tart in Belgravia, London and included speeches from the company’s directors. The dinner provided an opportunity for the team to socialise and to
- [‘John Lamb Hill Oldridge introduces a specialist team to support you in arranging insurance-based investment products for high-net-worth clients with global assets’ by Jacob Fay](https://jlho.co.uk/blog/2024/10/21/john-lamb-hill-oldridge-introduces-a-specialist-team-to-support-you-in-arranging-insurance-based-investment-products-for-high-net-worth-clients-with-global-assets-by-jacob-fay/) - Offshore bonds aka PPLI aka Insurance based investment products John Lamb Hill Oldridge offers advice and intermediation (placement) and ongoing servicing for offshore bonds and is fully regulated to give this advice in the UK. It does not offer investment management of the underlying funds. With the possible rise in CGT and maybe even a
- [‘Late summer snapshot: The life insurance market’ by Holly Hill](https://jlho.co.uk/blog/2024/10/21/late-summer-snapshot-the-life-insurance-market-by-holly-hill/) - Associate Director Holly Hill provides an overview of the UK and international life insurance market, detailing how demand and capacity have changed in recent months and the impact this has had on underwriting. Demand We are currently seeing strong demand for seven-year run-off cover for gifts being made prior to the Budget on 30th October.
- ['Land Succession for the NextGen: Land and Estate Disputes' webinar with Paula Steele by ThoughtLeaders4](https://jlho.co.uk/blog/2024/06/04/land-succession-for-the-nextgen-land-and-estate-disputes-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 when it comes to common law and civil law rules on heirship Are families moving away from primogeniture? The future
- [‘Gifting before the budget’ by Paula Steele published in IFA Magazine](https://jlho.co.uk/blog/2024/10/14/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 making gifts in the hope that they will fall into the current tax regime. The gift may well trigger capital
- [Q&A with Ken Maxwell, director at John Lamb Hill Oldridge](https://jlho.co.uk/blog/2024/07/18/qa-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 here at John Lamb Hill Oldridge. Since joining the business in 2018, he has helped our high-net-worth (HNW) and ultra-HNW
- [John Lamb Hill Oldridge celebrates 65 Years of Innovation, Excellence, and Growth](https://jlho.co.uk/blog/2024/10/01/john-lamb-hill-oldridge-celebrates-65-years-of-innovation-excellence-and-growth/) - John Lamb Hill Oldridge the UK’s foremost specialist protection adviser, is thrilled to announce the celebration of its 65th anniversary. Since its founding in 1959, the company has been a trailblazer in the financial advice sector, delivering high-quality advice, technical excellence and fostering innovation, while maintaining a commitment to our clients and professional partners.
- ['Protecting yourself against the impact of divorce' by Holly Hill published in ThoughtLeaders4 HNW Divorce Magazine](https://jlho.co.uk/blog/2024/10/01/protecting-yourself-against-the-impact-of-divorce-by-holly-hill-published-in-thoughtleaders4-hnw-divorce-magazine/) - UK divorce statistics reveal that approximately 42% of marriages are currently ending in divorce. The Divorce, Dissolution and Separation Act 2020 allows couples to legally end their relationship without attributing any blame, thus hopefully reducing the likelihood of conflict. However, divorce proceedings continue to remain expensive, time consuming and complicated, and amongst these complications are
- [9 frequently asked questions about life insurance for high-net-worth clients](https://jlho.co.uk/blog/2024/07/18/9-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 about how life insurance can support them, your clients can feel more confident that they are making the most sensible
- [Money Marketing in conversation with Ken Maxwell...wealth protection for HNW and UHNW individuals](https://jlho.co.uk/blog/2023/10/12/money-marketing-podcast/) - The Money Marketing Podcast is a definitive guide to the biggest issues in financial planning and, recently, our Director, Ken Maxwell, spoke with Kimberley Dondo for their latest episode. They covered: Wealth protection for HNW and UHNW individuals Strategies for safeguarding assets, minimising liability, and ensuring smooth succession planning How to stay ahead in the
- [How does John Lamb Hill Oldridge support you through the protection claims process?](https://jlho.co.uk/blog/2024/07/18/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 Oldridge, you can ensure that the process of making a claim is as easy and straightforward as possible. Our longstanding
- ['Life Insurance and offshore clients' by Jacob Fay published in Thought Leaders 4](https://jlho.co.uk/blog/2024/08/12/life-insurance-and-offshore-clients-by-jacob-fay-published-in-thought-leaders-4/) - Placing life insurance for clients based offshore who are looking for cover against UK IHT liabilities can present initial challenges, particularly regarding the structuring of cover. We see a significant number of offshore clients who hold UK situs assets which are therefore subject to UK IHT. Typically, these IHT-liable assets are properties, while other assets
- [John Lamb Hill Oldridge in the press](https://jlho.co.uk/blog/2024/07/15/john-lamb-hill-oldridge-in-the-press-2/) - Leading financial advisory firm, John Lamb Hill Oldridge, has announced the formation of a specialised team to support advisers and clients in navigating the complexities of Insurance Based Investment Products (IBIPs). This initiative comes in response to the recent changes in Capital Gains Tax (CGT) rules and the proposed reforms of the “non-dom” regime, which
- ['Could life insurance be an effective solution in some circumstances for contentious trusts?' by Jonathan Morris in ThoughtLeaders4 Private Client Magazine](https://jlho.co.uk/blog/2024/03/26/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 trusts or advancing capital to current beneficiaries so that remaindermen can have their share of capital immediately. Breaking up trusts
- ['How do advisers address the complex needs of HNW clients?' by Holly Hill published in Professional Adviser](https://jlho.co.uk/blog/2024/07/03/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 placing large life insurance policies for high net worth (HNW) individuals. These clients will typically be more challenging from both
- [Interview with Holly Hill for Citywealth](https://jlho.co.uk/blog/2024/05/22/interview-with-holly-hill-for-citywealth/) - What does a typical day look like for you? I spend a lot of my days out and about in the city talking to other professionals or meeting clients. Sometimes I even find myself on Harley Street helping clients complete their insurance medicals! The rest of the time I’m based in our Holborn office writing advice
- [Holly Hill promoted to Associate Director](https://jlho.co.uk/blog/2024/05/09/holly-hill-promoted-to-associate-director/) - We are delighted to announce that Holly Hill DipPFS, STEP Associate has been promoted from Senior Associate to Associate Director. Since joining John Lamb Hill Oldridge in 2022, Holly has excelled in her role within the Estates Team. This new position will allow Holly to join our leadership team, and we’re excited to see her
- ['In Conversation With… Paula Steele, Director, John Lamb Hill Oldridge' by The Money Marketing Podcast](https://jlho.co.uk/blog/2024/05/09/in-conversation-with-paula-steele-director-john-lamb-hill-oldridge-by-the-money-marketing-podcast/) - Join Kimberley Dondo in this episode of “In Conversation With” as she chats with Paula Steele, director at John Lamb Hill Oldridge, about protection financial advising. They cover tailoring protection plans, strategic use of life insurance for tax planning, recent tax law changes, common misconceptions and future trends in life insurance for tax planning. Tune
- ['Such is life' by Paula Steele in STEP Journal](https://jlho.co.uk/blog/2024/04/03/such-is-life-by-paula-steele-in-step-journal/) - It has been ten years since the UK’s Retail Distribution Review (RDR) was implemented, which changed the landscape for life insurance policies significantly. Many clients are unaware of what their policies provide and/or can do. These are significant issues for probate lawyers dealing with policies where the support from both the brokers who sold the
- ['The Crucial Role of Women in Private Client Industry Growth' by Alex Gibson-Watt published in IFA Magazine](https://jlho.co.uk/blog/2024/03/18/the-crucial-role-of-women-in-private-client-industry-growth-by-alex-gibson-watt-published-in-ifa-magazine/) - The theme of this year’s International Women’s Day was to ‘inspire inclusion.’ In today’s rapidly evolving business landscape, as an industry we are increasingly realising the significance of diversity and inclusivity, with a particular emphasis on recognising the pivotal role that women play in driving business growth. Beyond the moral imperative, there are compelling reasons
- [Interview with Alex Gibson-Watt for The Month Magazine](https://jlho.co.uk/blog/2024/03/06/interview-with-alex-gibson-watt-for-the-month-magazine/) - Tell us a little about yourself? I’m a mother of four (now very grown up) children and wife of a very long-suffering husband. I have been involved with John Lamb in its various guises since 2000. The business started as an independent financial advice firm, very focused on tax planning, before evolving into wealth management, retaining its
- [Do you have clients with convertible term contracts? Do you know when they expire?](https://jlho.co.uk/blog/2024/02/26/do-you-have-clients-with-convertible-term-contracts-do-you-know-when-they-expire/) - Convertible term policies are a commonly misunderstood section of the life insurance market. Typically, these contracts were taken out to secure a client immediate protection at a time when their cash flow was limited. The policies run to a maximum age of 65, at which point they lapse with no value. During the term of
- [Using life insurance as an alternative to holding assets in trust – a thought piece](https://jlho.co.uk/blog/2024/02/20/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 insurance as an alternative to holding assets in trust – a thought piece Within estate planning, the debate between procuring
- ['Using life insurance as an alternative to holding assets in trust' by Jacob Fay published in IFA Magazine](https://jlho.co.uk/blog/2024/02/06/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 individual circumstances, financial goals, and the specific needs of the beneficiaries. Where you have trust funds for younger lives you
- [2 key medical underwriting trends that could benefit your clients in 2024](https://jlho.co.uk/blog/2024/02/20/2-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 have had cancer in their lifetimes may fear that their premiums could be higher. Fortunately, recent changes to legislation and
- [‘Inheritance tax considerations on the sale of a business’ by Holly Hill published in <em>The Month</em> magazine](https://jlho.co.uk/blog/2024/02/20/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 also shares how life insurance can offer cost-effective options for both short- and long-term IHT planning. Inheritance tax considerations on
- ['Using life insurance as a tax planning tool' by Holly Hill in ThoughtLeaders4 Private Client Magazine](https://jlho.co.uk/blog/2024/02/06/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 and taxes are two guarantees for clients. Given the nature of private client work, it’s highly likely that inheritance tax
- ['Underwriting challenges of the hazardous pursuits of HNW and UHNW individuals' by Jacob Fay published in COVER Magazine](https://jlho.co.uk/blog/2023/11/14/underwriting-challenges/) - "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 are common among HNW and UHNW individuals. Some prominent examples include mountaineering, diving, private aviation, and heli-skiing, all of which
- [IHT planning: Interview with Jonathan Morris and IFA Podcast](https://jlho.co.uk/blog/2023/10/12/ifa-talk-podcast/) - Our Senior Associate, Jonathan Morris, spoke with Brandon Russell and Sue Whitbread about a crucial part of your clients’ estate planning - IHT planning. They also discussed PETs and the importance of gift cover. As a specialist in these areas, Jonathan’s advice is hugely valuable for anyone advising their clients on IHT planning, especially if they plan on using
- ['Simplifying life insurance for financial planning clients' by Jonathan Morris and Darren Lee published in FT Adviser](https://jlho.co.uk/blog/2023/10/31/simplifying-life-insurance-for-financial-planning/) - 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 important to help reluctant clients to feel more confident about taking out policies as part of vital financial protection. Below,
- ['3 ways AI could transform the underwriting process' by Darren Lee published in COVER Magazine](https://jlho.co.uk/blog/2023/10/24/3-ways-ai-could-transform-the-underwriting-process/) - Artificial intelligence (AI) has been a regular feature in news headlines over the past year, as developments in the technology have begun to shape not only the future for many leading industries, but also the day-to-day lives of your clients. AI has a wide range of benefits and can make previously time-consuming and complicated processes
- [John Lamb Hill Oldridge launches a Renewal and Valuation Service for life insurances](https://jlho.co.uk/blog/2023/09/12/valuation-and-renewal-service-3/) - 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 are looking at the insurance policies held by their clients, particularly where the client holds pre 2013 policies encompassing a
- [Business Relief as an offset for inheritance tax: Here is how it might work](https://jlho.co.uk/blog/2023/10/24/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 be hit with a hefty inheritance tax (IHT) bill after they have died. FTAdviser reports that the 2023/24 tax year
- [Using trusts to avoid the inheritance tax liability on life insurance payouts](https://jlho.co.uk/blog/2023/10/24/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 estate to remain intact and preventing the need for a fire sale of any family assets. One potential pitfall with
- [Death and taxes: Why IHT problems might be solved by valuable protection](https://jlho.co.uk/blog/2023/03/03/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 estate’s holistic planning strategy. It can be a worry for many individuals, especially those who have worked hard and built-up substantial
- [Paula Steele has been featured in the Spear’s 500](https://jlho.co.uk/blog/2023/09/19/paula-steele-has-been-featured-in-the-spears-500/) - We are delighted that our Director, Paula Steele, has been featured in the Spear’s 500, a guide to the top private client advisers and service providers for HNW individuals. She has also been ranked as a top recommended insurance adviser for 2023. "We take out significant life insurance programmes for estates to enable them to pay
- [Citywealth leaders list interview: 60 seconds with Paula Steele](https://jlho.co.uk/blog/2023/09/19/citywealth-leaders-list-interview-60-seconds-with-paula-steele/) - Our Director, Paula Steele, was interviewed by Citywealth about her role at John Lamb Hill Oldridge, and life outside our Boswell Street office. They discussed topics including: • Her role • A typical day at work • Interesting client instructions • The last place she travelled to • Her proudest professional achievement • Client challenges, and how John
- [Citywealth leaders list interview: 60 seconds with Paula Steele](https://jlho.co.uk/blog/2022/10/24/citywealth-interview-with-paula-steele/) - Our Director, Paula Steele, was interviewed by Citywealth about her role at John Lamb Hill Oldridge, and life outside our Boswell Street office. They discussed topics including: • Her role • A typical day at work • Interesting client instructions • The last place she travelled to • Her proudest professional achievement • Client challenges, and how John
- [The latest facial recognition technology: 3 reasons it might improve underwriting and benefit client wellness](https://jlho.co.uk/blog/2023/03/03/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 forced difficult restrictions on many households and made certain technologies even more necessary and essential, such as cloud technology, team management
- ['Female entrepreneurs in the private client industry' by Alex Gibson-Watt](https://jlho.co.uk/blog/2023/06/27/female-entrepreneurs-in-the-private-client-industry/) - 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 despite there still being some way to go before we reach equity. In 2022, for the first time, the number of companies established by all-women
- [Guaranteed whole-of-life assurance: here is why it might be an attractive option](https://jlho.co.uk/blog/2023/07/07/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 provides a guarantee on contractual sums insured without limit in the event of the failure of an insurer. The returns
- [Family Income Benefit: a fantastic protection solution for divorcing clients](https://jlho.co.uk/blog/2023/07/11/family-income-benefit/) - 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, are adequately protected. But according to research shared by FTAdviser, only 3% of people going through a divorce seek professional
- [Assisting a client who was in difficulty due to a lack of income](https://jlho.co.uk/blog/2022/03/14/assisting-a-client-who-was-in-difficulty-due-to-a-lack-of-income/) - A retired woman in her late 70s, finding that her income was not sufficient to cover her outgoings. Client’s financial difficulties had led to her accumulating debts and experiencing stress and illness. Friends and neighbours had been providing financial support as the situation worsened as she had no longer had any family.
- [Re-mortgaging from an interest only mortgage to a lifetime mortgage](https://jlho.co.uk/blog/2022/03/14/re-mortgaging-from-an-interest-only-mortgage-to-a-lifetime-mortgage/) - A married couple in their early 70s, who had recently retired after selling their business. Their interest-only mortgage would shortly come to an end. Although they now had large savings and individual pension funds, they did not have sufficient regular income to meet the affordability requirements needed for a standard residential mortgage.
- [Re-mortgaging a lifetime mortgage to a more beneficial arrangement](https://jlho.co.uk/blog/2022/03/14/re-mortgaging-a-lifetime-mortgage-to-a-more-beneficial-arrangement/) - A recently widowed man in his 80s. His existing lifetime mortgage had an interest rate above 6% and there was no facility to make fee-free repayments due to being an older product, which was far from an ideal arrangement. He was also due to inherit a large cash lump sum and wanted to use some of this to reduce the debt secured against his property
- [Lifetime mortgage for consolidation of debts and home improvements](https://jlho.co.uk/blog/2022/03/14/lifetime-mortgage-for-consolidation-of-debts-and-home-improvements/) - A single woman in her 60s with a property valued at £400,000. The client had £25,000 in credit card and loan debt. It was costing her £600 per month to repay these debts, so this was having an impact on day-to-day living, even though her monthly income was £1,800. She also wanted to carry out some home improvements but had no savings and was unable to obtain further credit due to her impaired credit history.
- [Elderly client obtains a lifetime mortgage to pay for care costs](https://jlho.co.uk/blog/2022/03/14/elderly-client-obtains-a-lifetime-mortgage-to-pay-for-care-costs/) - A man aged in his 80s with a property worth £750,000 and a mortgage for £150,000 secured against it. The client had minimal income, but because of his care needs, he was spending £22,000 per year on his care (while remaining in the property) and on the costs of running the home. His savings were being rapidly depleted by these ongoing costs, even though his family were providing financial assistance. Another brokerage firm had already said that it could not assist him, and he was increasingly worried that he would be forced to leave his home.
- [Re-mortgaging a lifetime mortgage to a cheaper rate](https://jlho.co.uk/blog/2022/03/14/re-mortgaging-a-lifetime-mortgage-to-a-cheaper-rate/) - 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.
- [Arranging Life Insurance To Mitigate Inheritance Tax Risks For A Younger Customer](https://jlho.co.uk/blog/2022/01/18/arranging-life-insurance-to-mitigate-inheritance-tax-risks-for-a-younger-customer/) - John Lamb Hill Oldridge is proud to be able to assist customers at every stage of their financial journey. In this instance, the client is a 25-year-old man who had been gifted as much as £5 million in non-income producing assets, and who was referred to us by his accountant. As the client had other assets that exhausted his nil-rate inheritance tax band, he was liable for inheritance tax at the full rate of 40% on the entire £5 million, which equates to £2 million.
- [Arranging A Life And Critical Illness Policy For A Client With An Extensive Medical History](https://jlho.co.uk/blog/2022/01/18/arranging-a-life-and-critical-illness-policy-for-a-client-with-an-extensive-medical-history/) - Like millions of people across the UK, this 40-year-old client approached us seeking to put in place comprehensive cover to provide funds for their family should they pass away, and to provide funds to meet the costs of medical care and home conversions should they contract a critical illness. The desired sum insured was £200,000. However, obtaining appropriate cover for this client was not entirely straightforward, as they had what could be described as an ‘extensive’ medical history, having had a number of medical issues at different stages of their lifetime.
- [Convertible Term Policy To Cover A Pre-nup Payment](https://jlho.co.uk/blog/2022/01/18/convertible-term-policy-to-cover-a-pre-nup-payment/) - The client is a man his 30s, UK resident and a non-smoker. As a condition of his pre-nuptial agreement, his spouse was entitled to receive a £10 million payment were he to pass away. Much of his family’s wealth is tied up in trusts, and by seeking life insurance, the client was seeking to avoid a potential claim that would disrupt the family’s investment strategy by forcing them to liquidate their positions at an inopportune time.
- [Assisting A Couple Facing A Potential Large Inheritance Tax Liability By Arranging Suitable Life Insurance](https://jlho.co.uk/blog/2022/01/18/assisting-a-couple-facing-a-potential-large-inheritance-tax-liability-by-arranging-suitable-life-insurance/) - The clients were a couple, both in their 60s, who were British nationals and resident in the UK. The couple’s estate is valued at £10 million. Their individual nil rate bands of £325,000 each could not be used in this case, and they were therefore facing the prospect of inheritance tax of 40% being charged on the full amount once the second client died, which would mean a £4 million IHT bill for their nearest and dearest at that time.
- [Arranging Life Cover To Mitigate Any Potential IHT Liability Should A Client Die After Making A Gift](https://jlho.co.uk/blog/2022/01/18/arranging-life-cover-to-mitigate-any-potential-iht-liability-should-a-client-die-after-making-a-gift/) - The female client was in her 70s and was both resident and domiciled in the UK. The client wished to make a gift of £11 million to her children. After using her nil rate band, the potential inheritance tax liability on the gift was calculated at more than £4 million – the size of this gift meant that there was no question of being able to use any of the available gift allowances
- [Providing Protection Against Inheritance Tax Liabilities For A Trustee](https://jlho.co.uk/blog/2022/01/18/providing-protection-against-inheritance-tax-liabilities-for-a-trustee/) - The clients are UK trustees of a UK resident trust. The life assured is a UK resident and domicile in his 50s who is the life tenant of a trust. After John Lamb Hill Oldridge placed £90 million of cover in the UK market, the trustees still had another £60 million of potential IHT liability to cover.
- [Providing life insurance with a high sum assured for a non-domiciled individual](https://jlho.co.uk/blog/2022/02/08/providing-life-insurance-with-a-high-sum-assured-for-a-non-domiciled-individual/) - The client is in his 40s, resident in the UK, but not considered to be domiciled in the UK. His family lives in Kuwait. We were unable to obtain sufficient cover for this client in the UK market because, although he had extensive investment income, he did not have any earnings from employment or self-employment in the UK as his business was still in the start-up phase. For this reason, he was referred to a US-based broker with whom we have worked closely on many occasions.
- [Assisting a couple facing a potential large inheritance tax liability by arranging suitable life insurance](https://jlho.co.uk/blog/2022/02/28/assisting-a-couple-facing-a-potential-large-inheritance-tax-liability-by-arranging-suitable-life-insurance-2/) - The clients were a couple, both in their 60s, who were British nationals and resident in the UK. The couple’s estate is valued at £10 million. Their individual nil rate bands of £325,000 each could not be used in this case, and they were therefore facing the prospect of inheritance tax of 40% being charged on the full amount once the second client died, which would mean a £4 million IHT bill for their nearest and dearest at that time.
- [Arranging high-value life insurance for business customers](https://jlho.co.uk/blog/2022/02/28/arranging-high-value-life-insurance-for-business-customers/) - The clients are a couple, with the husband in his 60s and the wife in her 40s. They are both UK residents and non-smokers. They were seeking to restructure the business they own jointly. The husband has health issues. The couple had lost their Business Property Relief qualification for a period of two years.
- [Key person insurance for a company director](https://jlho.co.uk/blog/2022/02/28/key-person-insurance-for-a-company-director/) - The client was a 42-year-old non-smoker who was resident in the UK and who was the director of a company. The client had bought out his business partner via an equity fund. The company’s board had decided that the individual needed to take out key person insurance to protect the business, as there could be significant consequences if he were to die unexpectedly or be incapacitated by illness.
- [Covering a prenuptial payment with a convertible term policy](https://jlho.co.uk/blog/2022/10/11/covering-a-prenuptial-payment-with-a-convertible-term-policy/) - 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.
- [Extending convertible term assurance for a client with medical considerations](https://jlho.co.uk/blog/2022/10/11/extending-convertible-term-assurance-for-a-client-with-medical-considerations/) - 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.
- [Assisting a client who was seeking further cover via convertible term policies](https://jlho.co.uk/blog/2022/10/11/assisting-a-client-who-was-seeking-further-cover-via-convertible-term-policies/) - 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.
- [Arranging maintenance cover for a divorced client](https://jlho.co.uk/blog/2022/10/11/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.
- ['How can a gift inter vivos policy protect you from a potential inheritance tax liability?' by Holly Hill published in FT Adviser](https://jlho.co.uk/blog/2023/05/03/gift-inter-vivos/) - When making gifts to your loved ones, it is important to consider whether your generosity may also be exposing you to a substantial 40% Inheritance Tax (IHT) charge. Let's start with the tax-free allowances: Firstly, there is the annual gift allowance of £3,000, which enables you to gift up to £3,000 in total across
- [John Lamb Hill Oldridge won UHNW Private Client Services of the Year (Gold) 2023](https://jlho.co.uk/blog/2023/06/19/magic-circle-awards-2023/) - We are delighted to announce that John Lamb Hill Oldridge won UHNW Private Client Services of the Year (Gold) for the second year in a row! Last night, Alex Gibson-Watt and Ken Maxwell attended the Citywealth Magic Circle Awards 2023 ceremony in London. These prestigious awards, which recognise the talent and achievements of the private wealth sector during the previous
- [MAGIC CIRCLE AWARDS 2017](https://jlho.co.uk/blog/2017/03/27/magic-circle-awards-2017/) - We are delighted to announce that Paula Steele our Managing Partner has been shortlisted in the Magic Circle Awards 2017 as Entrepreneurial Individual of the Year. The Magic Circle Awards are held annually to find the best advisors and managers in the global industry. Entries can either be by nomination from the global industry or companies can also
- [CITYWEALTH LEADERS LIST 2017](https://jlho.co.uk/blog/2017/05/31/citywealth-leaders-list-2017/) - We are delighted to announce that Paula Steele our Managing Director has once again been included in the Citywealth Leaders List. The Citywealth Leaders List is a best of the best directory of leading professionals in the private wealth management and private client industry. The list brings together lawyers, accountants, family offices, private bankers and trustees
- [JOHN LAMB RECEIVES SILVER AT POWERWOMEN AWARDS 2018](https://jlho.co.uk/blog/2018/02/28/john-lamb-receives-silver-at-powerwomen-awards-2018/) - John Lamb is delighted to have won the Silver award for Company of the Year – Female Leadership (SME) at the 2018 Citywealth Powerwomen awards. Many congratulations to all the winners!
- [JOHN LAMB INSURANCE BROKING WINS FINTECH AWARD 2018](https://jlho.co.uk/blog/2018/03/29/john-lamb-insurance-broking-wins-fintech-award-2018/) - John Lamb Insurance Broking is very pleased to have been awarded Insurance Brokerage Advisory Firm of the Year – UK in the 2018 Finance Monthly Magazine FinTech Awards. The Finance Monthly Fintech Awards acknowledge and reward the individuals, firms, start-ups and banks who are recognised as leaders and thought-leaders in their area of expertise.
- [WHY SHOULD YOU CARE ABOUT INHERITANCE TAX?](https://jlho.co.uk/blog/2018/05/08/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 more proactive forward planning adopted by those families with significant inter-generational wealth. The majority of the UK population have traditionally ignored this tax
- [IHT ON UK RESIDENTIAL PROPERTY – A BRIEF UPDATE](https://jlho.co.uk/blog/2019/06/30/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 on UK residential property held through offshore structures. To summarise, the industry’s main area of concern is around what will be
- [BUSINESS GOES ON – THE WORLD KEEPS SPINNING](https://jlho.co.uk/blog/2020/03/26/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 technical glitches but business goes on, clients still need us and we remain here to help wherever we can. INSURANCE The
- [HELPING TO NAVIGATE UNCERTAIN TIMES](https://jlho.co.uk/blog/2020/04/07/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 with ones that are positive and inspiring. At John Lamb we are continuing to work to find solutions for our clients
- [BUSINESS AS USUAL – WELL, NEARLY!](https://jlho.co.uk/blog/2020/04/27/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 world has changed and clients’ concerns and priorities have shifted. Challenges to our health like COVID-19 bring home the message that
- [JOHN LAMB HILL OLDRIDGE IN THE PRESS](https://jlho.co.uk/blog/2020/09/17/john-lamb-hill-oldridge-in-the-press/) - Unlike others in our industry we kept working through lockdown and all that COVID-19 has thrown at us. We have taken pride in the fact that we have continued to provide the same level of advice and service our clients expect. We are very aware that our clients’ personal needs don’t sit still just because we are not in an office together or having to socially distance; technology has enabled us to stay on top of our brief.
- [NEW UK REGISTER TO IDENTIFY FOREIGN OWNERS OF PROPERTY](https://jlho.co.uk/blog/2021/01/19/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 into force in 2021 97,000 properties in England and Wales are held by firms registered abroad and c.50% are located in
- [REDUCE IHT ON YOUR LONDON PROPERTY: AN INTERVIEW WITH MICHELLE CARTWRIGHT](https://jlho.co.uk/blog/2021/02/25/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 on property in London. We all know that inheritance tax can be a rather ‘painful tax’ as Jeremy put it. Michelle shares some
- [UK REAL-ESTATE AND THE REGISTER OF FOREIGN OWNERS](https://jlho.co.uk/blog/2021/03/22/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 owning UK Real-Estate On 23 July 2018, the Government published a draft Registration of Overseas Entities Bill (the “draft Bill”). The
- [KEN MAXWELL APPOINTED AS DIRECTOR](https://jlho.co.uk/blog/2021/09/02/ken-maxwell-appointed-as-director/) - John Lamb Hill Oldridge is delighted to announce that they have expanded the Board of Directors with Ken Maxwell being appointed as Director. Since joining John Lamb Hill Oldridge in 2018 Ken has been at the forefront of the company’s development as we look to ensure that we are here for our clients and other
- [JOHN LAMB HILL OLDRIDGE SHORTLISTED FOR THE 2022 CITYWEALTH POWERWOMEN AWARDS](https://jlho.co.uk/blog/2021/11/09/john-lamb-hill-oldridge-shortlisted-for-the-2022-citywealth-powerwomen-awards/) - We are delighted to announce that John Lamb Hill Oldridge have been shortlisted for the 2022 Citywealth Powerwoman awards as “Company of the Year – Female Leadership (Boutique)”. This nomination is not only a recognition of the leadership from Alex Gibson-Watt and Paula Steele but also the firms ongoing commitment to champion women in the
- [John Lamb Hill Oldridge has been shortlisted for the Magic Circle Awards and Citywealth Powerwomen Awards](https://jlho.co.uk/blog/2022/02/04/john-lamb-hill-oldridge-has-been-shortlisted-for-the-magic-circle-awards-and-citywealth-powerwomen-awards/) - There’s still time to vote for John Lamb Hill Oldridge and for the members of our team who have received deserved nominations for prestigious financial services awards. We would be very grateful for your vote. Citywealth’s Magic Circle Awards Ultra High Net Worth Private Client Services of the Year John Lamb Hill Oldridge is shortlisted
- [Paula Steele in the final shortlist in Professional Adviser’s in Financial Advice Awards 2022](https://jlho.co.uk/blog/2022/05/12/paula-steele-in-the-final-shortlist-in-professional-advisers-in-financial-advice-awards-2022/) - We’re thrilled to announce that our Director, Paula Steele, has reached the third and final shortlist for Woman of the Year – Protection Advice in Professional Adviser’s Women in Financial Advice Awards 2022. These prestigious awards celebrate the achievements of women working within the financial services sector in the UK and, this year alone, over
- [The challenges of writing high net worth life insurance’ in COVER Magazine by Ken Maxwell](https://jlho.co.uk/blog/2022/05/12/the-challenges-of-writing-high-net-worth-life-insurance-in-cover-magazine-by-ken-maxwell/) - Our Director, Ken Maxwell, recently spoke with COVER Magazine about the challenges of writing high net worth life insurance. COVER is the leading industry publication for life protection and health insurance, providing expert news, opinions, and analysis. Ken offered a real-life example of one of our clients who was seeking more than £20 million in
- [More awards success for John Lamb Hill Oldridge as Paula wins Lifetime Achievement Award](https://jlho.co.uk/blog/2022/06/27/more-awards-success-for-john-lamb-hill-oldridge-as-paula-wins-lifetime-achievement-award/) - We are excited to announce that our director, Paula Steele, has won a silver Lifetime Achievement Award at the prestigious Citywealth Magic Circle Awards 2022. This is a huge and well-deserved accolade for Paula, who has been with John Lamb Hill Oldridge for 44 years. As if Paula’s award wasn’t enough, as a firm we
- [Why it’s so important to seek specialist advice when arranging high-net-worth life insurance](https://jlho.co.uk/blog/2022/06/27/why-its-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. Read on to learn about the challenges of securing appropriate life insurance for clients, why the traditional approach doesn’t always
- [“Keep it in the family” – download our comprehensive new Inheritance Tax guide now](https://jlho.co.uk/blog/2022/06/27/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 begin to organise their assets before it’s too late. Inheritance Tax (IHT) planning is best approached as a continuous process. It’s
- ['Keeping art and luxury items in the family' in The Month magazine by Jonathan Morris](https://jlho.co.uk/blog/2022/10/04/keeping-art-and-luxury-items-in-the-family/) - Art and luxury items are bought for a variety of reasons; sometimes as a store of value, sometimes with a view to capital gain, but often, simply because the purchaser loves what they’re buying. Typically, with ownership comes knowledge and interest in the item itself and its history. Once the love affair with a particular
- [What cancer diagnosis delays mean for the life insurance market and how it can affect your clients’ cover](https://jlho.co.uk/blog/2023/03/03/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 climate, one in which the necessity of insurance is increasingly evident. For many across the healthcare and insurance sectors, this rings
- [How the pandemic has affected life insurance rates and what your clients need to know](https://jlho.co.uk/blog/2022/12/19/how-the-pandemic-has-affected-life-insurance-rates-and-what-your-clients-need-to-know/)
- [3 valuable lessons for dealing with the fallout from divorce](https://jlho.co.uk/blog/2022/10/24/3-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 process of unravelling the two can be very complicated. On 6 April 2022, the Divorce, Dissolution and Separation Act came into
- ['Is your client’s work-place income protection policy doing the job?' in Professional Adviser by Jonathan Morris](https://jlho.co.uk/blog/2022/11/16/income-protection-policy/) - Is your client’s work-place income protection policy doing the job? Why do your clients need income protection? With the cost of living increasing, the requirement for long term financial security has become a priority for many more people, in particular those who are dependent on a guaranteed annual salary rather than having the safety
- [How we’ve ended our year with success at the Future Leader Awards and charity at the St Christopher’s Goldsmith dinner](https://jlho.co.uk/blog/2022/12/19/how-weve-ended-our-year-with-success-at-the-future-leader-awards-and-charity-at-the-st-christophers-goldsmith-dinner/)
- ['Should a client take a rated quote' in COVER Magazine by Jonathan Morris](https://jlho.co.uk/blog/2023/01/10/rated-quote-cover-magazine/) - "As time passes, there is an increasing risk of further health issues arising" Jonathan Morris, protection specialist at John Lamb Hill Oldridge, examines the considerations of increased premiums known as ‘rated quotes’ and the risks associated for clients in waiting to be offered standard rates when applying for cover. When an applicant is told
- ['Estate planning for high-net-worth clients: life insurance as a cost-effective strategy' in IFA Magazine by Holly Hill](https://jlho.co.uk/blog/2023/01/10/estate-planning-for-hnw-clients/) - A cost-effective inheritance tax (IHT) strategy is a vital part of long-term estate planning. It is especially important for high-net-worth clients, for whom the tax implications of poor planning can be huge. Lowering the value of a client’s estate through gifting is a tax-efficient way to reduce their IHT liability. But as their adviser,
- [Ken Maxwell and John Lamb Hill Oldridge shortlisted in the Magic Circle Awards 2023](https://jlho.co.uk/blog/2023/01/17/shortlisted-magic-circle-awards-2023/) - We are delighted to announce that Ken Maxwell and John Lamb Hill Oldridge have been shortlisted across two categories in the Magic Circle Awards 2023 by Citywealth! Ken is a finalist for the Wealth Professional Award alongside eight other fantastic candidates. As a firm, we have been shortlisted for UHNW Private Client Services of the Year. For over 17 years,
- [Holly Hill awarded Bronze for Financial Advisory Individual of the Year at the Future Leaders Awards 2022 by Citywealth](https://jlho.co.uk/blog/2023/01/17/future-leaders-awards-2022-holly-hill/) - We are delighted to announce that Holly Hill was awarded Bronze for Financial Advisory Individual of the Year at the Future Leaders Awards 2022 by Citywealth! This is a fantastic achievement for Holly as the awards champion young professionals in the wealth sector and highlight the leaders under forty of today and tomorrow. The philosophy of the
- [How can you make sure valuable assets remain in your family and not with HMRC' by Jonathan Morris in Polo & Lifestyle the London Magazine](https://jlho.co.uk/blog/2023/01/17/valuable-assets-article-polo-and-lifestyle/) - If you have significant assets, it is likely that you will want to pass these on to your family at some point. In recent years, the UK tax authorities have been taking an increasing share of this intergenerational wealth. The latest figures from HM Revenue & Customs (HMRC) show that between April 2022 and October
- [Paula Steele on the judging panel for the Magic Circle Awards 2023](https://jlho.co.uk/blog/2023/01/17/magic-circle-awards-judge-paula-steele/) - Our Director, Paula Steele, has accepted an invitation to sit on the judging panel for The Magic Circle Awards 2023. This is a well-deserved acknowledgement of Paula’s reputation, expertise and significant experience in the financial services industry. Specialising in resolving particularly complex and challenging issues for individuals and families, Paula has specific expertise in life
- [Why we are excited for the Magic Circle Awards and the latest company news](https://jlho.co.uk/blog/2023/03/03/why-we-are-excited-for-the-magic-circle-awards-and-the-latest-company-news/) - Citywealth magazine’s Magic Circle Awards are the leading accolade in the wealth management sector. The 2023 event is due to be held in London on 17th May with voting closing on 10th March. At John Lamb Hill Oldridge, we are very proud to announce our nominations in the following categories: UHNW Private Client Services of
- [Meet the newest member of our team, Jacob Fay.](https://jlho.co.uk/blog/2023/03/07/meet-jacob-fay/) - Meet the newest member of our team - Broker, Jacob Fay. Jacob graduated from Exeter University with a 2:1 in Human Geography last August, focusing his dissertation on the portrayal of refugees in newspaper articles in the lead up to the Brexit referendum. He is particularly proud of his sporting achievements, specifically for captaining Hampshire cricket
- [Paula Steele and Ken Maxwell listed again this year in the Private Client Global Elite Directory 2023](https://jlho.co.uk/blog/2023/03/07/private-client-global-elite-directory-2023/) - We are delighted to announce that our Broking Directors, Paula Steele and Ken Maxwell, have been listed once again this year in the Private Client Global Elite Directory. The Private Client Global Elite is a highly respected global directory of the world’s top private client and trust and estates litigation talent, as well as rising stars within the industry. This
- ['3 powerful reasons indexation should be a priority for your clients in 2023' in IFA Magazine by Holly Hill](https://jlho.co.uk/blog/2023/03/07/indexation-in-ifa-magazine/) - Soaring inflation has affected many aspects of everyday life over the past 12 months, from grocery bills to mortgage rates. A less obvious but potentially damaging consequence is the gap between current asset valuations and the sum assured on insurance policies taken out by clients for inheritance tax (IHT). Policyholders who do not opt for
- [Paula Steele comments about 'Property and life insurance: issues for UHNWIs' in Citywealth](https://jlho.co.uk/blog/2023/03/07/property-and-life-insurance-2023/) - Our Broking Director, Paula Steele, recently spoke with Citywealth to consider the latest updates in the property sector and how UHNWIs are coping with the changing landscape. The piece covered: • Taxes and insurance associated with purchasing property • Dealing with the increased use of life insurance • How UHNWIs are taking advantage of this. You can read
- [Holly Hill has been shortlisted for the COVER Magazine Women in Protection & Health Awards 2023](https://jlho.co.uk/blog/2023/03/07/cover-magazine-women-in-protection-and-health-awards-2023/) - We are delighted to announce that our Broker, Holly Hill, has been shortlisted for the COVER Magazine Women in Protection & Health Awards 2023. This year, there were a staggering 50% more outstanding individuals and companies longlisted for the award, highlighting the strength of Holly’s entry. The awards celebrate the leading women within the life, protection and health
- [International Women's Day... Alex Gibson-Watt comments in IFA Magazine](https://jlho.co.uk/blog/2023/04/19/female-entrepreneurs/) - Female entrepreneurs in the private client industry International women’s day provides an opportunity to not only reflect but also to look forward on the progress that women have made in the private client industry. The private client industry has a reputation for being male dominated, however there are many, very successful and entrepreneurial women at
- [Paula Steele “In the Spotlight” feature for The Month, Private Client Global Elite’s exclusive magazine](https://jlho.co.uk/blog/2023/04/19/paula-steele-the-month-march-2023/) - We are pleased to announce that Paula Steele’s “In the Spotlight” feature for The Month, Private Client Global Elite’s exclusive magazine, has now been published. In the piece, Paula shares: • The most useful leadership lesson she has learnt • Advice for women in the industry balancing their work with home life • Her experience as
- [Does protection get the level of attention that it requires? Podcast by Ken Maxwell in IFA Magazine](https://jlho.co.uk/blog/2023/06/19/protecting-client-wealth-podcast/) - In a recent episode of the IFA Talk Podcast, our director, Ken Maxwell, joined Sue Whitbread and Brandon Russell to discuss the importance of client protection. During the interview, Sue brought up an interesting point, questioning whether IFAs prioritise safeguarding their clients' wealth with the same level of attention as they do in helping them increase it. Ken suggested
- ['Five reasons why people don't think life insurance is for them…and why they might be wrong' by Jacob Fay in COVER Magazine](https://jlho.co.uk/blog/2023/06/19/five-reasons-why-people-dont-think-life-insurance-is-for-them/) - Our broker, Jacob Fay, has recently published an article with COVER Magazine. COVER is the leading industry publication for life protection and health insurance. In the article, Jacob identifies five of the most common misconceptions and objections about taking out life insurance cover. His insights can prove invaluable for advisers looking to address these concerns and provide
- [Holly and Jonathan promoted to Senior Associate](https://jlho.co.uk/blog/2023/06/19/senior-associate-promotion/) - We are delighted to announce that our Brokers, Jonathan Morris DipPFS and Holly Hill DipPFS Hill, have been promoted to Senior Associate. This is in recognition of their significant and sustained contribution to the firm and is a mark of respect which John Lamb Hill Oldridge holds for them. Our thanks to Jonathan and Holly for their hard work
- [How we have been getting the word out through industry publications](https://jlho.co.uk/blog/2023/07/07/how-we-have-been-getting-the-word-out-through-industry-publications/) - John Lamb Hill Oldridge regularly features in many prominent trade publications. Our team write informative pieces that have offered our expert insights into the world of protection. Here are a few topics they have covered. 5 reasons why people don’t think life insurance is for them and why they might be wrong Our broker, Jacob
- [Holly Hill shortlisted for prestigious award, and more in your latest update](https://jlho.co.uk/blog/2023/07/07/holly-hill-shortlisted-for-prestigious-award-and-more-in-your-latest-update/) - Professional accolades are a great way of showcasing to our clients the level of professionalism and expertise we bring to our work — and the recognition it has received from the wider industry. The past 12 months has seen our team continue to deliver success on the awards front. Previously, you read about the Magic
- [INSURANCE PREMIUM TABLES FEBRUARY 2023](https://jlho.co.uk/blog/2023/02/15/insurance-premium-tables-february-2023/) - Our latest insurance premium table dated from February 2023 is now available for download. This useful reference guide includes rates for Whole of Life, Fixed Term, Gift Inter Vivos, Business Protection and Relevant Life policies. Download Rates Table
- [INSURANCE PREMIUM TABLES AUGUST 2022](https://jlho.co.uk/blog/2022/08/19/insurance-premium-tables-august-2022/) - Our latest insurance premium table dated from August 2022 is now available for download. This useful reference guide includes rates for Whole of Life, Fixed Term, Gift Inter Vivos, Business Protection and Relevant Life policies. Download Rates Table
- [INSURANCE PREMIUM TABLES MAY 2021](https://jlho.co.uk/blog/2021/05/26/insurance-premium-tables-may-2021/) - Our latest insurance premium table dated from May 2021 is now available for download. This useful reference guide includes rates for Whole of Life, Fixed Term, Gift Inter Vivos, Business Protection and Relevant Life policies. Download Rates Table
- [INSURANCE PREMIUM TABLES FEBRUARY 2021](https://jlho.co.uk/blog/2021/02/04/insurance-premium-tables-february-2021/) - Our latest insurance premium table dated from February 2021 is now available for download. This useful reference guide includes rates for Whole of Life, Fixed Term, Gift Inter Vivos, Business Protection and Relevant Life policies. Download Rates Table
- [INSURANCE PREMIUM TABLE JULY 2020](https://jlho.co.uk/blog/2020/07/30/insurance-premium-table-july-2020/) - Our latest insurance premium table dated from July 2020 is now available for download. This useful reference guide includes rates for Whole of Life, Fixed Term, Gift Inter Vivos, Business Protection and Relevant Life policies. Download Rates Table
- [INSURANCE PREMIUM TABLE JUNE 2020](https://jlho.co.uk/blog/2020/06/09/insurance-premium-table-june-2020/) - Our latest insurance premium table dated from June 2020 is now available for download. This useful reference guide includes rates for Whole of Life, Fixed Term, Gift Inter Vivos, Business Protection and Relevant Life policies. Download Rates Table
- [INSURANCE PREMIUM TABLE JANUARY 2020](https://jlho.co.uk/blog/2020/02/04/insurance-premium-table-january-2020/) - Our latest insurance premium table is now available for download. This useful reference guide includes rates for Whole of Life, Fixed Term, Gift Inter Vivos, Business Protection and Relevant Life policies. Download Rates Table
- [INSURANCE PREMIUM TABLE](https://jlho.co.uk/blog/2019/06/27/insurance-premium-table/) - Our latest insurance premium table is now available for download. This useful reference guide includes rates for Whole of Life, Fixed Term, Gift Inter Vivos, Business Protection and Relevant Life policies. Download Rates Table
- [INTERNATIONAL LIFE INSURANCE](https://jlho.co.uk/blog/2019/09/30/international-life-insurance/) - For most UK residents, purchasing life insurance is relatively simple. However, for those living and/or working abroad, obtaining life insurance can be complicated and expensive. Certain UK providers and offshore insurers offer cover for people who travel globally, especially for longer periods of time, and those who live abroad. However, placing cover for non-residents in
- [EQUITY RELEASE PREMIUM TABLE JUNE 2020](https://jlho.co.uk/blog/2020/06/14/equity-release-premium-table-june-2020/) - Our latest equity release premium rates are now available for download. This useful reference guide includes an overview of types of equity release along with product standards and features. Download Rates Table
- [MERRY CHRISTMAS FROM JOHN LAMB HILL OLDRIDGE](https://jlho.co.uk/blog/2020/12/15/merry-christmas-from-john-lamb-hill-oldridge/) - Christmas and New Year are always a period of reflection and never more so as we say goodbye to 2020. Whilst there have been unimaginable challenges both on professional and personal levels, there have also been many highlights for The John Lamb Hill Oldridge Team: in particular we are delighted to have successfully merged with the Hill Oldridge
- [JOHN LAMB MERGES WITH HILL OLDRIDGE](https://jlho.co.uk/blog/2020/07/30/john-lamb-merges-with-hill-oldridge/) - HILL OLDRIDGE JOINS JOHN LAMB CREATING THE UK’S LEADING LANDED ESTATES ADVISER ADVISER TO OVER 150 OF THE UK’S BIGGEST LANDED ESTATES AND THEIR FAMILIES. Hill Oldridge, a leading life assurance adviser to families and landed estates including the Astors of Cliveden, has joined John Lamb Financial Solutions (“John Lamb”) to create the UK’s foremost
- [JULIAN HILL – IN MEMORIAM](https://jlho.co.uk/blog/2020/07/27/julian-hill-in-memoriam/) - Julian Hill, who founded Hill Oldridge, passed away earlier this year. He will be sadly missed by all those who knew him. REMEMBERING JULIAN HILL by David Pollock Julian left school in 1978 and, after a brief flirtation with accountancy, he quickly found his natural home in the world of insurance broking. He first became
- [COVID-19: YOU ARE NOT ALONE](https://jlho.co.uk/blog/2020/03/19/covid-19-you-are-not-alone/) - WE ARE HERE TO HELP With the uncertainty and upheaval we all face due to the outbreak of COVID-19 (Coronavirus), I wanted to update you directly on the actions we are taking at John Lamb. Our firm’s priority remains the safety and health of our clients and colleagues. Although this event is unlike any other,
- [IS IT POSSIBLE TO GET LIFE COVER IF YOU SUFFER FROM MENTAL ILLNESS?](https://jlho.co.uk/blog/2018/05/29/is-it-possible-to-get-life-cover-if-you-suffer-from-mental-illness/) - This week is mental health awareness week, with a particular focus on ‘stress and how we cope.’ We at John Lamb Insurance Broking are experts in obtaining excellent terms on those who have a history of mental illness. Recent surveys show that up to 66% of people in the UK felt that they had suffered

## Pages

- [John Lamb Hill Oldridge](https://jlho.co.uk/) - Founded in 1959, John Lamb Hill Oldridge is the UK’s Leading Specialist Protection Adviser for high profile and high-net-worth individuals, businesses and landed estates.
- [Offshore Bonds](https://jlho.co.uk/insurance-based-investment-product/) - Explore the bespoke process at John Lamb Hill Oldridge for selecting offshore bonds, focusing on regulatory, financial, and strategic considerations.
- [Annual Partners Dinner<br>07.10.2025<br>Wild By Tart](https://jlho.co.uk/2025-annual-partners-dinner/)
- [Personal Protection](https://jlho.co.uk/personal-protection/) - Personal protectionPersonal protection is exactly that – personal.Our expert team works with our clients to put the right insurances in place for them, giving them the peace of mind that their family, estate and financial affairs are all protected if the worst should happen. If you or your client are looking to protect a family
- [Business Protection](https://jlho.co.uk/business-protection/) - Business protectionAll senior managers, directors and business owners need to consider putting in place suitable business protection policies. If a key person within an organisation dies, or experiences illness or disability, the ability of the business to function effectively can be affected. The business might lose a vital source of funding as a result, not
- [About Us](https://jlho.co.uk/who-we-are/) - Why choose John Lamb Hill OldridgeJohn Lamb Hill Oldridge brings together the experience and expertise of two firms. John Lamb Financial Planning was established in 1959 to provide financial planning and investment advice to individuals and businesses. Hill Oldridge was founded in 1992 to advise landed estates and their families, sourcing and managing complex life assurance
- [International Insurance](https://jlho.co.uk/international-insurance/) - International insuranceJohn Lamb Hill Oldridge doesn’t just advise clients in the UK. We are also experts in advising on and arranging life insurance for the purposes of mitigating inheritance tax for non-UK residents, and individuals who are not domiciled in the UK. We have extensive experience of responding to clients’ individual circumstances and providing bespoke
- [Renewal and Valuation](https://jlho.co.uk/renewal-and-valuation/) - The John Lamb Hill Oldridge Renewal and Valuation ServiceTrustees and advisers face a myriad of issues when reviewing the insurance policies held by their clients, particularly where the client holds pre-2013 policies with a range of different options and underlying investments. These issues include: Annual schedules of cover not produced Regular reviews not carried out
- [Protection](https://jlho.co.uk/services/) - Protecting wealthThe principle that families can lose their wealth without careful planning is so well-established that many cultures have a saying for it. In English it’s “clogs to clogs in three generations”, Italians say “from stables to stars to stables” and in America the phrase is “from shirtsleeves to shirtsleeves”. Insurance is one of the
- [Inheritance Planning](https://jlho.co.uk/inheritance-planning/) - Inheritance planningInheritance planning when you are a high net worth individual can be daunting. Here at John Lamb Hill Oldridge, our experts have an excellent understanding of all aspects of the UK inheritance tax system. By arranging and advising on the most suitable life insurance policies and having them written ‘in trust’, we can ensure
- [Rate cards](https://jlho.co.uk/rate-cards/) - Download rate cards featuring updated rates for Life insurance: Whole of life, Business protection, Gift cover, Fixed term.
- [Awards](https://jlho.co.uk/insights/awards/) - Citywealth Magic Circle Awards 2024, Citywealth Magic Circle Awards 2023, Citywealth Magic Circle Awards 2022, Spear's 500, Private Client Global Elite Adviser
- [Our Team](https://jlho.co.uk/meet-the-team/) - Our adviser team has over 100 years of combined experience. We are considered to be the UK’s foremost specialist protection adviser for HNW and UHNW individuals
- [Case Studies](https://jlho.co.uk/case-studies/) - Landed estates are exposed to specific risks when it comes to IHT. An unexpected tax bill can cause difficult problems for families..
- [Our Process](https://jlho.co.uk/our-process/) - We manage the entire process ensuring it is as simple as possible for our clients while securing the best terms for them.
- [Who We Are](https://jlho.co.uk/who-we-are/who-we-are-2/) - Founded in 1959, John Lamb Hill Oldridge is the UK’s leading protection broker for high profile and high net worth individuals.
- [Meet the team - Ken Maxwell](https://jlho.co.uk/meet-the-team-ken-maxwell/) - Ken MaxwellDIRECTOR Ken has responsibility for our private wealth clients. His diverse range of clients include high-net-worth families, single and multi-family offices, listed companies and SMEs. He delivers exceptional client experience. A significant area of his work is advising individuals and families (and their family offices) for whom a key concern is succession of their
- [Meet the Team - Holly Hill](https://jlho.co.uk/meet-the-team-holly-hill/) - Holly HillASSOCIATE DIRECTOR Holly joined John Lamb Hill Oldridge in January 2022. She focuses on advising our landed and property estate clients, resolving the issues that arise when placing significant life cover policies in both the UK and international markets. With an understanding of estate management, her advice covers all aspects of a client’s insurance requirements
- [Meet the team - Jacob Fay](https://jlho.co.uk/meet-the-team-jacob-fay/) - Jacob FayASSOCIATE Jacob is a key member of the team, providing tailored advice to clients on a wide range of insurance related matters that impact high and ultra-high net worth individuals and families. His work primarily focuses on supporting both UK-based and international clients with their protection planning needs, including inheritance tax (IHT) cover, income
- [Contact Us](https://jlho.co.uk/contact-us/) - Whether you are looking to manage your IHT liabilities for the first time or review your existing policies, we will be happy to explain what we offer and provide as much detail on our company and services as you need. Meetings can be held at our office in London, at a location to suit you
- [News](https://jlho.co.uk/insights/news/) - Slavica Smith2025-03-12T09:33:45+00:00Title: Practical tips for women in the UHNW advisory sector by Alex Gibson-Watt published in IFA magazineSlavica Smith2025-03-12T09:33:45+00:0010 March 2025|As a woman working within the UHNW advisory sector, you have a unique opportunity to break barriers, lead change, and create a more inclusive future. Here’s some personal advice to not only thrive but accelerate
- [Blogs](https://jlho.co.uk/insights/blogs/) - Slavica Smith2025-11-13T15:21:57+00:00‘Why life and income protection planning is essential for every business’ by Ken Maxwell published in Professional Adviser.Slavica Smith2025-11-13T15:21:57+00:0013 November 2025|In a recent article for Professional Adviser, John Lamb Hill Oldridge Director Ken Maxwell discusses the importance of life and income protection planning for every business. As well as driving profit and growth, sensible
- [PR](https://jlho.co.uk/insights/pr/) - Slavica Smith2025-11-13T15:21:57+00:00‘Why life and income protection planning is essential for every business’ by Ken Maxwell published in Professional Adviser.Slavica Smith2025-11-13T15:21:57+00:0013 November 2025|In a recent article for Professional Adviser, John Lamb Hill Oldridge Director Ken Maxwell discusses the importance of life and income protection planning for every business. As well as driving profit and growth, sensible
- [Meet the team - Michelle Fenton](https://jlho.co.uk/meet-the-team-michelle-fenton/) - Michelle FentonOPERATIONS SUPPORT Michelle joined John Lamb Hill Oldridge in January 2019. She provides administrative support to the advisory team, as well as being involved in the firm’s premium renewal reminder system and producing the annual valuation reports for our clients in order to assist them with their regular reviews and tax reporting requirements. Michelle
- [Meet the team - Dan Garcia](https://jlho.co.uk/meet-the-team-dan-garcia/) - Dan GarciaDIRECTOR Dan took on a new role for the firm at the start of 2025 and now heads up our Renewals and Valuations Team which is primarily responsible for the ongoing servicing of our existing book of business. The R&V Team provides support and services focused on annual reviews, premium renewal reminders, policy surrender
- [Meet the team - Jonathan Morris](https://jlho.co.uk/meet-the-team-jonathan-morris/) - Jonathan MorrisMANAGING ASSOCIATE Jonathan leads the John Lamb Hill Oldridge Client Processing team, overseeing a smooth and efficient underwriting journey from initial client onboarding to the receipt of final acceptance terms from the insurer. With extensive expertise in the UK life insurance market, he works closely with his team and Darren, our in-house underwriter, to
- [Meet the team - Lorna Finney](https://jlho.co.uk/meet-the-team-lorna-finney/) - Lorna FinneyADVISOR SUPPORT Lorna works directly alongside Jonathan Morris, delivering administrative support to the advisers in areas such as new business, client onboarding, guiding clients through the medical underwriting process, submitting applications and ensuring policies are in trust. Lorna has over 10 years of experience in the financial services industry and prior to working for
- [Meet the Team - Slavica Smith](https://jlho.co.uk/meet-the-team-slavica-smith/) - Slavica SmithMARKETING MANAGER Slavica joined John Lamb Hill Oldridge in September 2021. She is an experienced international marketing manager. As one of the leading protection advisory firms in the UK, Slavica has a vital role to play in promoting our offering and the experience, skills and knowledge of our team. Previously, Slavica held senior marketing
- [Meet the team - Luella Tritton](https://jlho.co.uk/meet-the-team-luella-tritton/) - Luella TrittonJunior Associate Luella is currently working directly alongside Jonathan Morris, helping to support the advisers with new business, client onboarding, assisting clients through the medical underwriting process, submitting applications and finally placing the policies on risk. Luella is working towards her CII Diploma in Financial Planning and have successfully passed the first two exams,
- [Meet the team - Darren Lee](https://jlho.co.uk/meet-the-team-darren-lee/) - Darren LeeHEAD OF UNDERWRITING AND CLAIMS Darren has responsibility for our in-house underwriting process. His broad role involves working closely with clients to discreetly understand their medical history and knows what information is required for placing high levels of cover. He has close relationships with the providers and reinsurers, which allows him to have sensible,
- [Meet the team - Paula Steele](https://jlho.co.uk/meet-the-team-paula-steele/) - Paula SteeleDIRECTOR Paula has responsibility for our landed estate clients. Having worked in financial services for over 40 years she has extensive knowledge and expertise across all areas of financial planning. Her focus is now centred on life assurance and later life planning where she specialises in resolving complex issues for individuals and their families.
- [Who We Work With](https://jlho.co.uk/who-we-work-with/) - Who we work withWe work closely with many professionals as part of a trusted adviser team, adding tangible value to their client offering. Every communication with John Lamb Hill Oldridge is handled with complete discretion. You will find our team responsive, proactive and always on your side, working towards the right solution for your client.
- [Meet the team - Nicholas George](https://jlho.co.uk/meet-the-team-nicholas-george/) - Nicholas GeorgeNON-EXECUTIVE DIRECTOR Nick has been a non-executive director of John Lamb Hill Oldridge since 2017, providing strategic direction and advice to the firm while also mentoring our younger talent. Nick spent a large part of his career in the Far East where he worked for JP Morgan and HSBC before establishing a hedge fund
- [Meet the team - Laurence Wilson](https://jlho.co.uk/meet-the-team-laurence-wilson/) - Laurence WilsonOPERATIONS SUPPORT Laurence provides support to our advisers and is also responsible for the firm’s premium renewal reminder system and the reconciliation of commission income. She has over 40 years of experience in the insurance industry. Phone Number 020 7681 8791 Email laurence.wilson@jlho.co.uk
- [Meet the team - Lynn McGrane](https://jlho.co.uk/meet-the-team-lynn-mcgrane/) - Lynn McGraneHEAD OF OPERATIONS Lynn is responsible for all aspects of client service and business support throughout the insurance application process. She manages all client data, such as sensitive medical information, and ensures all appropriate processes and controls are in place. She also manages our finance and HR functions and is highly skilled in delivering
- [Insights](https://jlho.co.uk/insights/) - Slavica Smith2025-11-13T15:21:57+00:00‘Why life and income protection planning is essential for every business’ by Ken Maxwell published in Professional Adviser.Slavica Smith2025-11-13T15:21:57+00:00In a recent article for Professional Adviser, John Lamb Hill Oldridge Director Ken Maxwell discusses the importance of life and income protection planning for every business. As well as driving profit and growth, sensible protection [...]Slavica
- [Meet the team - David Pollock](https://jlho.co.uk/meet-the-team-david-pollock/) - David PollockCHAIRMAN David sits as the Chairman of the John Lamb Hill Oldridge board, providing leadership to the firm’s directors and other employees and leading the charge on big-picture decisions. He had been instrumental in reshaping Hill Oldridge from a general financial advisory practice into a specialist protection assurance advisory firm. David is a Chartered
- [Meet the team - Alex Gibson-Watt](https://jlho.co.uk/meet-the-team-alex-gibson-watt/) - Alex Gibson-WattMANAGING DIRECTOR Alex has overall responsibility for the management of John Lamb Hill Oldridge. Our position rests squarely around a detailed and extensive knowledge of the insurance market, and the ability to source the best possible solution. Alex ensures these principles run through every sector of the firm and they are what set us
- [Newsletter](https://jlho.co.uk/newsletter/) - Sign up to our newsletterI’d like to receive news from John Lamb Hill Oldridge via electronic communication means such as email, and I consent to allow John Lamb Hill Oldridge to store and process the personal information submitted. For more details, please read our Privacy Policy. * indicates required First Name Last Name Email Address
- [Insights](https://jlho.co.uk/equity-release/insights-2/) - Slavica Smith2025-03-12T09:33:45+00:00Title: Practical tips for women in the UHNW advisory sector by Alex Gibson-Watt published in IFA magazineSlavica Smith2025-03-12T09:33:45+00:00As a woman working within the UHNW advisory sector, you have a unique opportunity to break barriers, lead change, and create a more inclusive future. Here’s some personal advice to not only thrive but accelerate [...]Slavica Smith2025-03-14T11:04:44+00:00Q&A
- [Meet the team - Michelle Cartwright](https://jlho.co.uk/meet-the-team-michelle-cartwright/) - Michelle CartwrightINTERNATIONAL INSURANCE SPECIALIST Michelle specialises in securing high-value protection cover for clients in the UK and overseas. She possesses an in-depth knowledge of insurance products available globally and how to access them, enabling families to manage inter-generational wealth transfers effectively. Michelle has more than 20 years of wealth planning experience. Before joining the firm
- [Meet The Equity Release Team](https://jlho.co.uk/equity-release/meet-the-equity-release-team/) - Experienced, knowledgeable and dedicatedOur dedicated equity release team have a background in financial planning which ensures we have the experience and expertise required to find the right solution for your needs. All our equity release advisers are committed to ongoing professional development. This dedication to learning ensures our knowledge is up-to-date with the latest thinking
- [Our Approach](https://jlho.co.uk/equity-release/our-approach/) - A detailed and personal serviceThe fully qualified equity release team at John Lamb has the specialist experience and expertise required for advising about equity release, and putting in place a plan that is right for you. Our professional and personal approach combines technical knowledge with an appreciation of the issues involved in this sensitive area
- [Products](https://jlho.co.uk/equity-release/equity-release-services/) - Flexibility and choiceThere are four main types of equity release products that allow you unlock capital from your property without having to move. During our initial discussions, we will talk to you about the different routes and make sure you understand your options, as well as the financial implications. Lifetime mortgages A Lifetime Mortgage is
- [About Us](https://jlho.co.uk/equity-release/about-us-equity-release/) - Experience and expertiseOur dedicated equity release team has a background in financial planning, which ensures we have the experience and expertise to find the right solution for your needs. All our equity release advisers are committed to ongoing professional development. This dedication to learning ensures our knowledge is up-to-date with the latest thinking and approaches
- [Contact Us](https://jlho.co.uk/equity-release/contact-us/) - Start the conversationThere are many reasons why equity release has become more popular in recent years, and the sector continues to grow. We face an increasing number of choices surrounding our finances as we grow older and John Lamb Hill Oldridge’s specialist team can help. If you’d like to explore whether equity release is the
- [Cookies Policy](https://jlho.co.uk/cookies-policy/) - Last updated: May 28, 2021 This Cookies Policy explains what Cookies are and how We use them. You should read this policy so You can understand what type of cookies We use, or the information We collect using Cookies and how that information is used. Cookies do not typically contain any information that personally identifies
- [Privacy Notice](https://jlho.co.uk/privacy-notice/) - Read Our Privacy Notice
- [Life Insurance Case Studies](https://jlho.co.uk/equity-release/life-insurance-case-studies/) - Toggle NavigationEquity Release Case StudiesLife Insurance Case StudiesSlavica Smith2025-11-11T11:02:37+00:00Protecting £100 million in family gifts ahead of the 2026 APR/BPR changesSlavica Smith2025-11-11T11:02:37+00:00With changes to Agricultural Property Relief (APR) and Business Property Relief (BPR) due to take effect from April 2026, and with the November 2025 Budget approaching, many advisers and clients are reviewing their estate-planning and
- [Case Studies Archives](https://jlho.co.uk/case-studies-archives/) - Toggle NavigationInsightsEquity Release ArticlesWho We Work With
- [IHT Archives](https://jlho.co.uk/iht-archives/) - Toggle NavigationInsightsEquity Release ArticlesWho We Work With Slavica Smith2024-02-06T17:47:24+00:00‘Using life insurance as a tax planning tool’ by Holly Hill in ThoughtLeaders4 Private Client MagazineSlavica Smith2024-02-06T17:47:24+00:006 February 2024|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
- [Insurance Archives](https://jlho.co.uk/insurance-archives/) - Toggle NavigationInsightsEquity Release ArticlesWho We Work With Slavica Smith2024-02-26T13:59:51+00:00Do you have clients with convertible term contracts? Do you know when they expire?Slavica Smith2024-02-26T13:59:51+00:0026 February 2024|Convertible term policies are a commonly misunderstood section of the life insurance market. Typically, these contracts were taken out to secure a client immediate protection at a time when their cash
- [News Archives](https://jlho.co.uk/news-archives/) - Toggle NavigationInsightsEquity Release ArticlesWho We Work With Slavica Smith2025-03-12T09:33:45+00:00Title: Practical tips for women in the UHNW advisory sector by Alex Gibson-Watt published in IFA magazineSlavica Smith2025-03-12T09:33:45+00:0010 March 2025|As a woman working within the UHNW advisory sector, you have a unique opportunity to break barriers, lead change, and create a more inclusive future. Here’s some personal

## Downloads

- [Gift-Cover-Feb-2023.pdf](https://jlho.co.uk/download/3097/?tmstv=1764080477)
- [Fixed-Term-Feb-2023.pdf](https://jlho.co.uk/download/3080/?tmstv=1764080477)
- [Fixed-Term-Feb-2023.pdf](https://jlho.co.uk/download/3081/?tmstv=1764080477)

## Fusion Elements

- [Service cards](https://jlho.co.uk/blog/fusion_element/service-cards/) - Founded in 1959, John Lamb Hill Oldridge is the UK’s Leading Specialist Protection Adviser for high profile and high-net-worth individuals, businesses and landed estates.
- [Newsletter](https://jlho.co.uk/blog/fusion_element/newsletter/)
- [Meet The Team Info](https://jlho.co.uk/blog/fusion_element/meet-the-team-info/)
- [Blog menu tabs](https://jlho.co.uk/blog/fusion_element/blog-menu-tabs/) - Toggle NavigationInsightsEquity Release ArticlesWho We Work With
- [Meet the team v2](https://jlho.co.uk/blog/fusion_element/meet-the-team-v2/)
- [equity release nav](https://jlho.co.uk/blog/fusion_element/equity-release-nav/)
- [recent posts](https://jlho.co.uk/blog/fusion_element/recent-posts/)
- [equity release header](https://jlho.co.uk/blog/fusion_element/equity-release-header/)
- [nav](https://jlho.co.uk/blog/fusion_element/nav/)
- [Equity Release CTA](https://jlho.co.uk/blog/fusion_element/equity-release-cta/)
- [HEADER LAYOUT](https://jlho.co.uk/blog/fusion_element/header-layout/)
- [blog categories menu](https://jlho.co.uk/blog/fusion_element/blog-categories-menu-2/) - Toggle NavigationInsightsEquity Release ArticlesWho We Work With
- [Blog categories menu](https://jlho.co.uk/blog/fusion_element/blog-categories-menu/) - Toggle NavigationInsightsEquity Release ArticlesWho We Work With
- [Blog side menu](https://jlho.co.uk/blog/fusion_element/blog-side-menu/) - IS IT POSSIBLE TO GET LIFE COVER IF YOU SUFFER FROM MENTAL ILLNESS?
- [Insights side bar](https://jlho.co.uk/blog/fusion_element/insights-side-bar/)
- [Top info & image](https://jlho.co.uk/blog/fusion_element/top-info-image/)
- [Meet the team pages](https://jlho.co.uk/blog/fusion_element/meet-the-team-pages/)

## Categories

- [Uncategorised](https://jlho.co.uk/blog/category/uncategorised/)
- [Equity Release](https://jlho.co.uk/blog/category/equity-release/)
- [IHT](https://jlho.co.uk/blog/category/iht/)
- [Insurance](https://jlho.co.uk/blog/category/insurance/)
- [News](https://jlho.co.uk/blog/category/news/)
- [Life insurance case studies](https://jlho.co.uk/blog/category/life-insurance-case-studies/)
- [Rate Cards](https://jlho.co.uk/blog/category/rate-cards/)
- [Life Insurance tables](https://jlho.co.uk/blog/category/life-insurance-tables/)
- [PR](https://jlho.co.uk/blog/category/pr/)
- [Awards](https://jlho.co.uk/blog/category/awards/)
- [Blogs](https://jlho.co.uk/blog/category/blogs/)