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There’s a big change coming to defined contribution pensions in April 2027, when the current inheritance tax exemptions fall away. The changes potentially see inheritance tax bills rise for beneficiaries other than a spouse or civil partner and more estates potentially being over inheritance tax thresholds. Each person’s situation is likely to be different and while there are some simple things that can be put in place, like taking out life cover to meet the potential inheritance tax bill, there may be opportunities to reduce IHT liability which can be highlighted by a regulated adviser.
Discover four ways U.K. winter storms are changing, what’s driving the shift, and how re/insurers can respond. The winter of 2023/24 was one of the wettest on record for the U.K., bringing widespread flooding and disruption, contributing to record breaking weather-related insured losses according to the Association of British Insurers.[1] For many in the reinsurance industry, that season underscored just how vulnerable Europe is to prolonged periods of heavy rain.
As artificial intelligence becomes embedded across UK organisations, its impact on workforce structures is already being felt. Research from Barnett Waddingham reveals a period of rapid adoption: 71% of employers have invested in AI or automation this year, and over half have already built or bought AI assistants for core functions. Yet alongside optimism about improved productivity and competitive advantage, the data signals a more complex challenge emerging – one that HR and reward leaders cannot afford to overlook.