By Gemma Jarrett, Network Director Starting out as a business owner in financial services and insurance can be a challenge, not least because of the significant burden regulatory authorisation required by the Financial Conduct Authority (FCA) can be. But being an Appointed Representative can help alleviate some of that burden, allowing you to trade without having to find resource, time and money that you don’t have to become directly authorised by the FCA. Here’s how it works.  What exactly is an Appointed Representative in insurance? At the simplest level, in insurance, an Appointed Representative is an entity or company linked

by Jeanne Elizabeth Daniel, Data Scientist, Stubben Edge Today, there is 1 person over the age of 65 for every 3 people of working age in the United Kingdom. By 2050, this ratio is expected to shift to 1 person for roughly every 2 people of working age. This forecast is based on currently observed declining fertility rates, a slow-down in increases in life expectancy over the past decade, and assumptions on future net migration, all made by the Office of National Statistics (ONS).    An ageing population poses several challenges to society, as well as the life insurance industry. Life

It can be difficult to retain business and if your insurance brokerage has noticed a drop in policyholder retention and referrals, it’s time to put in some extra work to differentiate yourself from other businesses. We’ve compiled a list of 5 ways to increase policyholder retention and referrals to help get your business back on track. Communication Staying in touch with policyholders is key when it comes to retaining them and in this technological era, it’s never been easier. Adding an easily accessible contact form/details to your website, having a social media presence and providing email campaigns and newsletters will