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Who is Whole of Life for? 2 Apr 1:13 AM (5 days ago)

From April 2027, some big changes are coming to Inheritance Tax (IHT) in the UK, and they could have a real impact on families looking to pass on their wealth. One of the biggest shifts is that unused pension pots will be included as part of your estate, which means they could now be subject to Inheritance Tax (IHT). When you combine this with rising house prices, it’s easy to see how more and more families could find themselves crossing the ‘million-pound’ threshold for inheritance tax.

 

What does this mean for you?

Right now, pension funds sit outside your estate, which has allowed some people to use them as a tax-efficient way to pass money down to the next generation. But the government is closing this loophole, meaning that if your total estate—including your home, savings, and pension—exceeds £1 million (as a married couple or those in civil marriages), your beneficiaries could face a 40% tax bill on anything over that amount.

You may be affected by these changes if:

 

How Whole of Life Insurance can help

If you’ve been relying on your pension as a way to pass down wealth tax-free, these changes might be frustrating. But there is another option: Whole of Life Insurance.

 

The idea behind it

One way to work around the new rules is by using some (or all) of your pension pot to buy an annuity—which guarantees you an income for life. You can then use this income to fund a Whole of Life Insurance policy for the same amount as your pension pot (or any amount you choose). If the policy is written in trust, it falls outside your estate, meaning it won’t be subject to IHT. So when you pass away, the payout goes directly to your beneficiaries, tax-free.

 

What is Whole of Life Insurance?

Unlike traditional life insurance, which runs for a set term (often ending by age 89), a Whole of Life policy lasts your entire lifetime. These policies can be taken out up to the age of 79 and provide peace of mind that your loved ones will receive a lump sum, no matter when you pass away.

To protect against inflation, you can also link both your annuity and the policy payout to the Retail Price Index (RPI). This helps to ensure that the money your family receives retains its real-world value over time.

 

Who should consider a Whole of Life policy?

  1. Homeowners with rising property values
    The UK housing market continues to grow, with prices expected to rise by around 23.4% in the next five years. If your home is currently worth between £700,000 and £800,000, it may not be long before your estate crosses the £1 million IHT threshold.
  2. People with large pension pots
    If your pension is a key part of your inheritance planning, you may need to rethink your strategy. A Whole of Life policy could be a way to pass on that value without facing a hefty tax bill.
  3. Business owners and farming families
    With potential changes to IHT rules affecting business assets and agricultural land, families who want to keep their business intact might consider Whole of Life Insurance as a way to cover any tax liability.
  4. Individuals aged 40+ planning for the future
    If you’re in this age group and have accumulated wealth that you’d like to pass on tax-efficiently, taking out a Whole of Life policy now could save your beneficiaries thousands in the future.

 

Making it work for your estate plan

 

Final thoughts

With inheritance tax rules tightening and property prices on the rise, more families are likely to be affected in the coming years. Whole of Life insurance offers a smart way to safeguard your legacy and ensure your children or grandchildren receive what you’ve worked so hard to build. If you’d like to explore your options, speaking to a financial advisor could help you put the right plan in place.

 

Please note: Estate Planning is not regulated by the Financial Conduct Authority.

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Top tips to keep your tools safe 28 Mar 2:00 AM (10 days ago)

Over 40,000 cases of tool theft are reported to UK police every year. Which means theft of tools and equipment is one of the biggest risks for tradespeople.

My husband is a plumber, and perhaps should be thankful that he’s only had his tools nicked twice in the last 10 years. Not only did it take years to build his dream tool collection, but it also had a huge financial impact as he was unable to work. Not to mention the hassle, cost and time to replace the tools, as well as the damage to his van.

With many stolen tools ending up at car boot sales and online markets all over the country, there is call for tougher action over tool theft and resale. But what can you do to prevent it in the first place?

 

Here are my top tips to keep your tools safe:

Vehicle security

 

Site security

 

At home

 

But what if your tools do get damaged or stolen?

No matter how careful you are, these things happen. Here are some tips that may help with the recovery or your tools or assist with reporting:

Even if you have insurance for your tools, it’s worth checking the policy exclusions and conditions to make sure you’re properly covered.

 

Good to know

Many insurers offer cover for tools as part of a comprehensive tradespersons or contractors policy, which can include employers liability, public liability and contract works cover.

Interested in finding out more about tradespersons insurance?

Give us a call on 0118 916 5480

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5 exposures every contractor should know about 26 Mar 1:51 AM (12 days ago)

 Let’s play a game of worst-case scenario. You’re a contractor. You pay for Contractors Insurance. Then there’s an incident and you need to make a claim. And you realise you’re underinsured.

We hear lots of horror stories about contractors getting caught out due to incorrect cover. So here are 5 common scenarios we think every contractor should know about.

 

1. Working height (or depth)

 On average, 13 people die every year at work from falling off a ladder. And 1,200 suffer major injuries. In fact, work at height is the biggest single cause of fatal and serious injury in the construction industry, particularly on smaller projects. Over 60% of deaths during work at height involve falls from ladders, scaffolding, working platforms and roof edges, and through fragile roofs or rooflights.

 Now, you might assume that these accidents would be covered by Liability Insurance or as part of your Contractors All-Risk Insurance. But cover for accidents from height can vary and some insurance policies have ‘working height’ or ‘working depth’ restrictions. If you’re not aware of these restrictions and your employees or subcontractors are working at a height above the maximum specified in your policy, this could be a big problem.

 

Let’s look at a working height example:

The business: A general building contractor

The unintentional mistake: The contractor takes out Liability Insurance to cover employees, self-employed contractors or temporary staff and apprentices for personal injury. But doesn’t realise there’s a working height restriction in the insurance policy of up to 10 metres.

The incident: A roofing contractor working from a height of 12-metres falls, breaking both his legs and dislocating his wrist and shoulder. The roofer is unable to work for 6 months and claims for loss of income as well as personal injury compensation. The claim totals thousands of pounds and isn’t covered by the contractor’s insurance policy. The contractor has to pay for the claim out of company profits and goes into the red.

 

2. Use of heat

Do you and your workers carry out welding or use torch-on products? Not all policies cover ‘use of heat’ in construction. So, if you’re installing a flat roof or a lead-work roof that requires welding or use of a blow-torch, make sure there aren’t any heat restrictions or exclusions in your policy that would invalidate it.

 

3. Non-negligence

Taking out insurance for a situation where you have NOT been negligent might seem bizarre or unnecessary. After all, a non-negligent claim isn’t your fault. But, a standard Public Liability Insurance policy only covers you against damage to third party properties or people as a result of your negligence. So what happens if your contract works damage a neighbouring property through no fault of yours?

Enter the JCT clause 6.5.1 insurance which provides cover for the risks outlined in the 6.5.1 Non-Negligence clause of a JCT contract (e.g. collapse, subsidence, heave, vibration, weakening or removal of support and lowering of groundwater). If you’re doing groundwork of any kind, this non-negligent cover is vital but it’s not always included as standard in Contractors Insurance, this needs to be contract specific and in joint names to protect the employer.

 

Let’s look at a non-negligence example:

The business: A groundworks company

The unintentional mistake: The groundwork contractor takes out Liability Insurance to cover damage to third party properties. But the policy doesn’t include Non Negligent Liability (6.5.1) Insurance.

The incident: Excavation works for a suburban construction project cause lowering of groundwater leading to unexpected subsidence in 3 nearby buildings due to the loss of support from the water-saturated soil.  All 3 companies have to stop trading and make claims for disruption to business and to fix the subsidence resulting in extensive claims costs which isn’t covered by the contractor’s insurance policy.

 

4. Timber frame construction

In recent years, use of engineered timber frames for new buildings has caught the headlines due to a number of high profile fires. Timber-frame fires are more likely during the construction phase, because the unprotected frame is exposed making it vulnerable to ignition and rapid fire growth.

Not all contractor insurance policies cover timber frame construction which could lead to gaps in your cover. A good broker should ask lots of questions about the type of work you do to avoid any risk of exposure.

 

5. Basement construction

Finally (and rather aptly), right down at the bottom of the list is basement construction. If you’re building a basement underneath an existing property, some insurers won’t insure you. So if you have Contractors All Risk Insurance but you haven’t specified basement construction as a risk, you might not trigger policy conditions.

 

So what now?

Want to feel more confident about your Contractors Insurance (and access the best prices from the whole insurance market)?

 

Email Barry or call on 0118 916 5480 

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The unexpected intersection of insurance and Assassins: A match made in… strategy? 21 Mar 1:46 AM (17 days ago)

Have you ever wondered what happens when two seemingly unrelated worlds collide? Picture this: insurance and assassins. It sounds like the premise of an offbeat spy movie, doesn’t it? But believe it or not, these two realms share some surprising common ground beyond risk management; they both thrive on strategy, unpredictability, and, in some cases, a little bit of chaos.

 

Life Insurance: The Assassin’s safety net

Let’s start with Life Insurance. If you think Life Insurance is only for people who live normal, risk-free lives, think again. Imagine an assassin who, by definition, has a career where danger lurks around every corner. Sure, they’re highly trained professionals, but one missed shot or unexpected ambush could spell the end of their career (and life).

Life Insurance, in this case, could offer a comforting sense of security. If an assassin’s untimely death happens while carrying out a job, their family or beneficiaries would at least be able to cash in on a decent payout. A little grim? Sure. But practical? Absolutely!

And let’s not forget about Disability Insurance. What happens if an assassin’s shoulder gets dislocated mid-mission, or they take an unfortunate tumble during a rooftop chase? Disability Insurance can help keep them afloat while they heal (or recover from their potentially career-ending injury).

 

Assassins and Risk Management: A shared language

If we take a step back, there’s a striking similarity between the world of assassination and the world of insurance: risk management. Assassins are risk experts. Whether they’re assessing the likelihood of getting caught, tracking down the perfect target, or calculating the best time to strike, they know how to manage uncertainty.

Enter insurance. Much like an assassin, insurance companies deal with risk every day,  calculating the odds of an individual making a claim and weighing that against the premiums being paid. The higher the risk, the more they charge. It’s not exactly a secret; it’s just math.

An assassin’s life, just like someone taking out a policy, is a matter of minimising risk. Sometimes, though, things can go sideways. And that’s where strategy comes into play. The best assassins, much like the best insurance brokers, thrive in a world where unpredictability is a constant. It’s not about avoiding risk but mastering it.

 

The “Assassin” premium

Imagine an assassin wanting to take out an insurance policy. What kind of premiums would they be quoted? If you were the insurance broker, you’d be looking at their occupation and thinking, “Hmm, risky business.” The premiums would likely be sky-high, thanks to the nature of the job. And this leads us to an interesting point. What if these high-risk clients were treated differently?

In the world of insurance, high-risk individuals like skydivers, race car drivers, or even deep-sea divers are typically charged higher premiums to cover their extreme activities. But in the world of assassins, the concept of an “assassin’s premium” would definitely apply. How do you price a person whose job involves running from explosions, scaling buildings, and dodging bullets?

In this scenario, we’d be dealing with an insurance policy that requires some serious negotiation and serious premiums. The more extreme the job, the higher the cost to cover it.

 

The Assassin’s getaway plan: Liability Insurance

Let’s say an assassin’s mission goes a little awry. They mistakenly take out a “high-value” target’s bodyguard, or perhaps an innocent bystander gets caught in the crossfire. Now, who pays for the damages? You guessed it, Liability Insurance!

It’s the assassin’s backup plan. Liability Insurance covers mistakes and accidents that could lead to a lawsuit. For example, imagine a scenario where an assassin takes a shot, but the bullet ricochets and hits a local vendor’s market stand. The assassin could be financially ruined unless, of course, they had proper liability coverage to protect themselves.

While the assassin may not have to deal with the headache of lawsuits (because their line of work probably doesn’t lend itself to a friendly courtroom), the concept of Liability Insurance certainly rings true. Accidents happen even for the most precise professionals.

 

The final blow: What Assassins can teach us about coverage

We’ve talked about Life Insurance, Risk Management, Liability coverage, and even high premiums, but one thing we can take away from the assassin world when it comes to insurance is planning for the unexpected. Assassins know that no mission is guaranteed to go as planned. The same goes for life in general; no one can predict the future. And that’s why insurance is so important.

An assassin doesn’t leave their life up to chance, and neither should you. Whether it’s planning for a risky career move or protecting your family’s future, Life Insurance is about taking control of the unknowns in life. And just like an assassin who anticipates every potential threat, we should be proactive about preparing for what’s ahead, no matter how unpredictable it might be.

 

Conclusion

Next time you’re signing that insurance policy, take a moment to think of the assassin. While you might not be preparing for a high-stakes mission, you’re both involved in the art of minimizing risk and making sure the unexpected doesn’t catch you off guard. And who knows? Maybe you’ll feel a little more like a secret agent when you check that “Life Insurance” box.

And yes, in case you were wondering, watching Black Doves on Netflix gave me the idea of this blog! 😊

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Renovation Insurance – do you have the right cover? 19 Mar 2:34 AM (19 days ago)

As a Private Client Insurance Broker for over 20 years, specialising in High Value Home insurance, it is imperative to truly understand Renovation Insurance. I have been lucky enough to experience all forms of building projects, from extensions/renovations, to listed building restorations and complicated basement builds. Every project is different, and yet there are common questions that come up regardless of the style and scope of project:

 

 

 

 

 

 

Carl’s bonus tips

In my experience, using a quality, well established contractor is key, especially in the higher end sector that we specialise in (works starting from £500,000). The reasons are:

  1. They are far more knowledgeable in terms of true/realistic costs and timeframes.
  2. There are multiple documents renovation insurers will require such as GANTT Charts, Schedule of Works, Fire Risk Management Plans etc, but a non-specialist builder may not understand the need for or be able to provide these.
  3. The work will be done correctly, and they will come back to undertake any snagging.

 

Additionally, as an experienced insurance broker, sadly, I have seen too many renovation claims, so working with a Chartered Insurance Broker like Macbeth, who can assist and advise from the beginning, is incredibly beneficial in helping you risk less.

 

If you’d like to know more about Renovation Insurance, High Value Home Insurance or insurance for specialist builds, I’m always available on 0118 916 5487 or carl.sharp@macbeths.co.uk.

 

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From House Keys to Key Person Cover – how I became a Mum and changed careers at the same time 14 Mar 4:05 AM (24 days ago)

It’s possible to become a Mum and start a new career path at (almost) the same time.

I’m writing this blog because I want people to know it’s ok to juggle more than one change at a time and feel completely stretched in all directions but still have a career you love. Your career is a huge part of your life, so choose wisely, it will strengthen you.

 

Scared?….No never…..

I worked in a full-time, fast-paced job that I knew like the back of my hand for nearly a decade.  Then I became pregnant and people asked: ‘Do you feel nervous?’ or ‘Are you scared?’. And of course I was, who wouldn’t be? Who wouldn’t feel scared to start a new chapter not knowing what was ahead of them.  But I was lucky enough to have an easy baby and adapted to mum life quite quickly. Maternity leave flew by and, even though I dreaded the thought of being away from my baby and wondered how I would get back into a routine with the confidence to just be me again, it was time to find myself again & start back at work. However, I knew that I needed a new career path.  So I started juggling a new routine with my child starting nursery, my Husband starting a new job and me starting at Macbeth all in a very short space of time…..

 

New opportunities

Before maternity leave, I worked long hours, some weekends and had no childcare or flexibility in my role to accommodate family life. So, after a lot of encouragement from friends and family, I made the decision to put myself out there and applied for a job as a Financial Administrator at Macbeth. Vikki called me after receiving my application and from that day, I knew this was the place I wanted to start my new chapter. The thought of changing career after 10 years and starting something completely new (with no experience) was an extremely scary thought. But then someone reminded me that I had done something even scarier 10 months before by starting a family and raising a child.

I was offered the job at Macbeth after meeting with Simon and Vikki, and soon after that was my first day. I walked into the office feeling like a bag of nerves but still had a smile on my face because I knew this was the start of something good and positive. I was introduced to my team and those nerves very quickly turned into a feeling of safety, happiness and belonging. I knew I had made the right decision, especially after meeting Saurav and Mark who I have come to know well and really enjoy working with.

 

Never looked back

I work alongside Vikki & Simon and started learning about life insurance as well as all the different covers, pensions and investments, I very quickly started navigating my way around the systems, industry jargon and policies. I’m still learning so many things from them every day; the knowledge they have really inspires me to be the best I can be. I quickly felt like part of a big family and started to learn what it was like to want to come to work every day and to work at a company that gave me a feeling of purpose and enthusiasm.

Having supportive employers and the flexibility to be a mum gave me peace of mind, and I’ve never looked back. The work/life balance is now something I will not take for granted. I’ve also taken the plunge and signed up for my exams, pushing myself out of my comfort zone once again (it’s been many years since I did exams). Macbeth is a great place to work, with amazing people and so much support. As well as giving me new opportunities, it’s brought out the best in me personally and in my career. It really is like working with a group of friends every day.

So, it’s ok to feel out of your comfort zone.  But remember to always be unapologetically yourself because everything you do contributes to your reality.

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Understanding escape of water risks: Protecting UK commercial property investments 12 Mar 2:45 AM (26 days ago)

Understanding Escape of Water Risks: Protecting your commercial property investments

As a commercial property owner in the UK, safeguarding your investment involves more than just maintaining the physical structure; it requires a keen awareness of potential risks that could impact your bottom line. One such significant risk is the escape of water (EoW), which has become a prevalent issue in both residential and commercial properties.

 

The prevalence and cost of Escape of Water Incidents

Escape of water refers to incidents where water leaks from plumbing systems, appliances, or other internal sources, leading to property damage. These incidents are not only common but also costly. In 2022 alone, the UK witnessed a staggering £987 million worth of claims related to EoW incidents in both residential and commercial buildings.1

Breaking it down further, insurers are disbursing approximately £1.8 million daily to address damages caused by water leaks.2 This escalation in both the frequency and severity of EoW claims can be attributed to various factors, including aging infrastructure and increased property complexities.

 

Impact on Commercial Property Owners

For commercial property owners, the ramifications of an EoW incident extend beyond immediate repair costs:

 

Case Study: The Financial Toll of Water Damage

Consider a scenario where a commercial property in London experiences a significant water leak due to a burst pipe. The incident leads to extensive damage across multiple floors, affecting several businesses. The direct costs of repairs and replacements amount to £500,000. Additionally, the affected businesses face operational downtime, resulting in lost revenues and potential claims against the property owner for disruption. Consequently, the property’s insurance premiums rise, further straining the owner’s finances.

 

Mitigation strategies for property owners

To protect your investment and mitigate the risks associated with EoW incidents, consider implementing the following measures:

 

Conclusion

Escape of water incidents pose a significant threat to the financial health of commercial property investments in the UK. By understanding the potential risks and implementing proactive measures, property owners can safeguard their assets, ensure tenant satisfaction, and maintain the profitability of their investments.

 

  1. Escape of water claims trends | ALARM
  2. The rising cost of escape of water claims : Clyde & Co
  3. Escape of water: Tapping into the true cost of water ingress to businesses

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Standard vs. Whole of Life Insurance: Key differences & inheritance planning 5 Mar 5:05 AM (last month)

Life insurance is a key part of financial planning, offering peace of mind to families by providing financial security when it’s needed most. However, not all life insurance policies are created equal. Two common types are standard (or term) Life Insurance and Whole of Life Insurance, each serving distinct purposes. Below, we’ll explore the differences, and discuss how Whole of Life Insurance could be a game-changer for inheritance planning, especially with the changes coming to pension pots and inheritance tax in 2027.

 

What Is a Standard Life Insurance Policy?

A standard Life Insurance policy, often referred to as term life insurance, is designed to provide a payout if the policyholder passes away within a specified term, usually ranging from 10 to 30 years. If you outlive the policy term, there’s no payout. This type of insurance is often used to cover specific financial obligations, like paying off a mortgage or covering a child’s education.

Since it’s only active for a set period, it’s a more affordable option in the short term. However, once the term expires, the coverage ends, and there is no further benefit unless the policy is renewed or converted to a different type of insurance.

 

What Is a Whole of Life Insurance Policy?

A Whole of Life Insurance policy, as the name suggests, provides lifelong coverage. Unlike standard Life Insurance, a Whole of Life policy guarantees a payout whenever the policyholder passes away, regardless of age. This makes it an excellent option for long-term financial security, especially when planning for the future of your family or loved ones.

Whole of Life Insurance is typically more expensive than standard Life Insurance because it provides coverage for the entire lifetime of the insured, ensuring a payout. The policy doesn’t expire, so as long as premiums are paid, beneficiaries will always receive a death benefit.

 

The Whole of Life Insurance and the new Pension & Inheritance Tax (IHT) rules

As of April 2027, unused pension pots are likely to become part of your estate for inheritance tax (IHT) purposes. This means your pension savings could be taxed if your total estate exceeds the £325,000 threshold (or £500,000 if it includes a primary residence). For many, this could push them into the ‘million-pound’ inheritance tax bracket, resulting in a 40% tax bill on the excess.

Previously, pension pots sat outside of the estate, providing a way to pass wealth onto the next generation without IHT. However, with the new rules, this tax-free status is set to change, and those relying on their pensions as an inheritance strategy may face an unexpected tax burden.

 

How can Whole of Life Insurance help?

This is where Whole of Life Insurance could be the key to maintaining your inheritance strategy. By using some or all of your pension pot to buy an annuity (a guaranteed income for life), you can then use that income to fund a Whole of Life Insurance policy. The policy can be written in trust for your beneficiaries, which means the payout will be exempt from inheritance tax – just as pensions used to be.

In this arrangement, when you pass away, your beneficiaries receive the payout of the Whole of Life Insurance policy, which is equivalent to the amount of your pension pot (or however much you wish to insure). The key advantage here is that since the policy is in trust, it falls outside of your estate, and thus, avoids inheritance tax.

 

Why choose Whole of Life Insurance for inheritance planning?

A Whole of Life policy can offer several advantages for inheritance planning:

  1. Lifetime Coverage: Unlike standard Life Insurance that expires, Whole of Life Insurance provides coverage for your entire life, ensuring your beneficiaries are protected no matter when you pass away.
  2. Tax Efficiency: By writing the policy in trust, it falls outside your estate and avoids inheritance tax, even as pension pots are now included in the estate.
  3. Inflation Protection: Some Whole of Life policies can be linked to inflation, ensuring that the sum assured keeps up with rising costs, safeguarding the value of your legacy over time.
  4. Legacy Planning: If you want to leave a lump sum inheritance to your children or grandchildren, Whole of Life Insurance can be a great way to ensure they receive the intended amount without the burden of tax.

 

Is Whole of Life Insurance right for you?

If you have a pension pot and other assets that might push your estate above the IHT threshold, Whole of Life Insurance can help preserve the legacy you’ve worked hard to build. This option is particularly valuable for those who have children or grandchildren they want to support financially, as it can be used to ensure they inherit the value of your pension pot without the heavy tax burden.

Additionally, while many people fund their Whole of Life premiums with their own savings, there’s also an option for children to help fund a parent’s policy. This can be a practical solution to ensure that IHT is minimized and the inheritance passed on is maximized.

 

Conclusion

The upcoming changes to pension and inheritance tax laws make it essential to consider how you’re planning to pass on your wealth. If your pension pot was previously an ideal way to do this tax-free, it’s time to reconsider and plan accordingly. Whole of Life Insurance offers a powerful and tax-efficient alternative, providing both peace of mind and financial security for the future.

If you’d like to learn more about how Whole of Life Insurance can fit into your inheritance planning strategy, consult with a financial advisor. At Macbeth, we offer expert advice to help you protect your legacy for the next generation.

 

Please note: Estate Planning is not regulated by the Financial Conduct Authority.

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Navigating Two Worlds …. Balancing Work Between Lanzarote and the UK 28 Feb 2:00 AM (last month)

Working for a busy Insurance broker presents many challenges, but managing these responsibilities across two countries adds another layer of complexity for me, but splitting my time between Lanzarote and the UK has redefined the meaning of flexibility, efficiency, and work-life balance.

 

The Workload and Technology Advantage

Dealing with clients on a daily basis in an Insurance Brokers requires meticulous attention to detail and constant availability. Serving High Net Worth clients means being able to deal and assist with complex insurance portfolios, changes to policies and discussing High Value Home Insurance renewals which often requires quick, tailored responses. Balancing this while moving between two different countries demands seamless integration of technology.

Luckily, modern tools such as cloud-based platforms and secure client management systems make it possible for me to securly access client data from anywhere. Whether reviewing a policy in Lanzarote or communicating with a team member in the UK, technology bridges the geographical gap. Having 24/7 access to customer data ensures that client needs are met, no matter the time zone or location, although an added benefit for me is that Lanzarote has the same time zone as the UK.

 

Time with the Team: Virtual Connectivity

Despite physical distance, team communication remains crucial. My core Macbeth team are based in Reading in the UK, and I attend weekly virtual meetings which allows for insurer product updates, ongoing case and client discussions, and any team working updates. Video calls and collaborative software mean I can be involved in the business operations without being on-site all the time. The availability of operating systems like Teams, Webex and emails helps me manage client communications effectively while staying aligned with the team’s workflow.

 

Employer Flexibility and Work-Life Balance

Macbeth’s commitment to flexible working arrangements has been a key element in enabling me to split my time between Lanzarote and the UK. Offering the ability to work remotely from either location has granted me the work-life balance I need. Macbeth understands the benefits of giving employees an environment where their well-being needs can be met, they have a culture to thrive in and are trusted and able to deliver the high levels of client service the business is built on.

Lanzarote offers me a quieter lifestyle, perfect for focused work, and when I’m back in the UK I can catch up with all my team and colleagues in person. This balance between focused remote work and in-person meetings has allowed me to manage my career while enjoying the best of both worlds.

In the end, it’s a combination of Macbeth’s excellent support, advanced technology and personal discipline that allows me to thrive, both professionally and personally.

 

If you’re interested in joining the family visit our Work with Us page or give us a ring.

Call us on 0118 916 5480

 

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