• Piggy Bank

    Wise Investment Plans

    No need to break the piggy bank savings, investing wisely can secure your future and your families, discuss with Forty One Consulting about the different investment options we have available.

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  • Pensions

    Retirement Options

    Retirement planning has always been complicated and, despite efforts to simplify matters in 2006, it unfortunately remains so. At Forty One Consulting we pride ourselves on making our clients more at ease with the complicated system to provide you with the best advice we can.

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  • Protection

    Protection

    Finding the right protection is difficult to do, at Forty One Consulting we can walk you through the different options and find the perfect protection plan to suit your needs.

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  • Frequently Asked Questions

    Frequently Asked Questions

    With the introduction of more flexible ways to access your Pension from April 2015, we are constantly being asked more questions.

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2nd March 2011

European Court of Justice Ruling on Insurance

Yesterday's ruling by the European Court of Justice which prohibits the use of gender in underwriting will is likely to affect life assurance rates and annuities as well as the well reported increases in car insurance that are expected for female drivers.  For life assurance and annuities in particular, it seems that this ruling is totally non-sensical.  Females normally get lower life assurance premiums and lower annuity rates because they generally live longer than males.  This is not gender bias; it is based on natural fact.  It will be interesting to see what changes insurance companies will make - will life assurance premiums drop for men, or will they increase for women?  Conversely, are women going to get more from annuities in future, or will men see a drop in what they will be able to obtain?

 

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