http://www.georgeemsden.co.uk/2010/02/gathering-time/ Guidance with a Difference for People with Cancer Tue, 07 Feb 2012 13:31:00 +0000 hourly 1 http://wordpress.org/?v=3.3.1 http://www.georgeemsden.co.uk/2010/02/gathering-time/#comment-295 We need another Bill Gates…. — George Emsden Sat, 20 Mar 2010 18:13:49 +0000 http://www.georgeemsden.co.uk/?p=4357#comment-295 <p>[...] With this client there are two main issues. Using the appropriate underwriting form will enable an IFA to shop around various insurers to get the best annuity rate plus advise on the type of annuity to buy, as there are lots of options. Trying to do this without advice is idiotic, but still people out there who think they know better. Client life expectancy here is 5-6 years so the option of taking all the fund in cash is not available. The client is concerned about losing his job and is near retirement age anyway.  But for me the 6 day weeks with long days seems the biggest health risk.   Summary here of some financial and non-financial options http://www.georgeemsden.co.uk/2010/02/gathering-time/ [...]</p> [...] With this client there are two main issues. Using the appropriate underwriting form will enable an IFA to shop around various insurers to get the best annuity rate plus advise on the type of annuity to buy, as there are lots of options. Trying to do this without advice is idiotic, but still people out there who think they know better. Client life expectancy here is 5-6 years so the option of taking all the fund in cash is not available. The client is concerned about losing his job and is near retirement age anyway.  But for me the 6 day weeks with long days seems the biggest health risk.   Summary here of some financial and non-financial options http://www.georgeemsden.co.uk/2010/02/gathering-time/ [...]

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