Latest financial services news, mortgage news, investments news, insurance news and more from Personal Touch Financial Services.

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Finance News 

Banks should end unplanned overdraft charges, charity says

Banks should end all unauthorised overdraft charges because they are trapping people in persistent debt, the financial charity StepChange has said.

The organisation also wants banks and regulators to do more to identify people caught up in a “vicious cycle of borrowing”.

Even where customers have admitted they are in trouble, it said banks often fail to help.

However, High Street banks said they were committed to lending responsibly.

In 2016 some 2.1 million people used their overdraft every month of the year, according to industry figures.

Read the full article here

Source: BBC News 6th December 2017

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Banks should end unplanned overdraft charges, charity says

Mortgage News 

Accord mailing for March maturities – make the most of it

It’s not even Christmas, so how come Accord Mortgages are looking ahead to products maturing in March 2018?

Well, they’ve revamped their maturity mailing program because customers often need more than one reminder to look for a new product.

So from early December, customers with an Accord mortgage maturing in March will receive a series of letters and emails, to give them a heads up and get them thinking about switching their product to avoid paying SVR. It’s one of the biggest maturity months of 2018 for Accord.

How can you benefit from this? Well it’s simple. All their communications remind customers that they can talk to their mortgage broker for advice about next steps. A quick call to your Accord client in December to check they’ve got their mailing and offer your help gets you off to a good start.

You might be thinking of remortgaging your client to a different lender – that’s one option, but here’s a few reasons why transferring to a new Accord product could work well for you and your client:

  • There’s no valuation or legal work required for a straight transfer, keeping costs down and saving time.
  • They’ve improved our transfer product pricing so your client gets a good deal.
  • Our new online transfer process takes about five minutes to complete – it shows you the products suitable for your clients to keep things simple.
  • There’s no excessive paperwork for you and your client to wade through. They post out an offer with acceptance form and your client simply signs it and sends it back.
  • They pay a competitive procuration fee of 0.30% for all residential product transfers.

They’ve created a video demonstrating the online process and how we show the information you need, including existing mortgage details and new payments.

View the video and more information about product transfers with Accord here.

Or call their BDMs or Business Development Advisers for a chat

Source: Accord Mortgages Newsletter 4th December 2017

General Insurance News 

Uinsure November 2017 round-up 

It’s hard to believe that it’s already December, before long we’ll be unwrapping presents and cringing at Christmas cracker jokes…

Getting back to November though, Uinsure had a particularly cold end to the month – it’s for this reason that they dedicated their communications last month to Escape of Water (EOW).

Pipes bursting due to freezing temperatures can wreak havoc on people’s lives and statistics show that EOW is rising at a highly alarming rate.

They created a variety of content in November to help bring this to life – which you can find links to below – and they are delighted to now share with you our Escape of Water broker interview film.

They caught up with advisers Joe and Michael, who told them in their own words why EOW poses such a threat.

Alongside our escape of water campaign, it’s been a very exciting month for Uinsure – in case you missed it, they were crowned Best GI Provider in the MI awards (thank you to everyone who voted for us) and they were announced as the Tipton Society’s sole GI provider.

Want to find out more about Uinsure 5 Star Rated product or award winning system? Get in touch below and they will be happy to answer any questions you may have:

0344 844 3844

Source: Uinsure Newsletter December 2017

Protection News 

Legal & General – Protection News


L&G have added Nurse Support Services and GP24 to their CIC plans.

Nurse Support services includes six additional support services for your client and is provided by RedArc. GP24 is available for an additional cost of £3.25 and the service allows your client and their immediate family access to the GP services any day of the year and from anywhere in the world.

Click here for more details on both.


L&G have increased the Multi Policy Discount on cases submitted on OLPC from £1.50 to £2.00 per additional plan.


L&G new Rehabilitation Support Service offers claimant access to a specialist rehabilitation team to help get your clients back to good health and is available at no extra cost to your client. This new service is available to new and existing IPB clients.

Click here for more information.


  • An Introduction to Income Protection – To register please click here.
  • Income Protection in more detail – To register please click here.
  • Relevant Life Plans – To register please click here
  • Share and Partnership Protection – To register please click here
  • Key person Protection – To register please click here
  • Business Protection Research – To register please click here


We’ve made the reinstatement process easier for you if your client’s premiums are in arrears or their direct debit has bounced. This quick and simple online process will help to save time and increase your reinstatement success rate. Click here for more details


Our comparison tools are designed to help you and your customers understand the cover a product offers. They are developed in conjunction with Defaqto allowing you to compare Legal & General’s Home Insurance Choices (HIC), Lifestyle Cover and Landlords’ Cover with similar products in the market. Click here to access the tool.

Source: Legal and General Insurance Newsletter 4th December 2017


The new instant way to get insurance

Our Instant Life Insurance has been introduced to provide a simple, quick and easy solution so that people can get the instant protection they’re after.

Read our latest Spencer story to understand how our Instant Life Insurance was the solution Simon Spencer had been looking for.

If you have any questions at all, just give AIG a call on 0345 600 6829.

Keep up to date with the latest at AIG Life

To find out more, visit

Source: AIG Newsletter 1st December 2017

Protect more of your clients with Living Costs Protection

Living Costs Protection

Like you, Aviva want your clients to be protected in the event of an illness or an accidental injury. But they understand fully comprehensive income protection isn’t always the right fit for their personal or financial circumstances.

They’ve designed Living Costs Protection with more of your clients in mind – the self employed the renters and those with smaller incomes. It can help towards protecting their monthly outgoings so they can keep a roof over their head and stay warm in the winter.

Designed with your clients in mind

We’re committed to growing the market, and helping make life easier for you and your clients. That’s why their Living Costs Protection doesn’t require any verification of earnings or financial assessment for an application, or a claim.

Your client decides the benefit level to best fit their needs, and as long as they work at least 16 hours a week -we’ll pay out a fixed sum between £500 and £1,500 every month, for up to a year for each eligible claim.

Please note: the policy has no cash in value at any time. And if a client stops paying their premiums, they’ll stop providing cover and won’t pay any money back to them.

Find out more

Source: Aviva Newsletter December 2017


Personal Touch LIVE 2018 and our Financial Excellence Awards are now less than seven weeks away!

Date: Thursday 18 January 2018

Venue: VOX Centre, Birmingham

If you haven’t registerd yet click here 


This year, in response to your feedback, we’ll focus on presenting awards at adviser level and we’ve updated our award categories to reflect this. As well as recognising advisers in the above categories, we have some exciting new opportunities for firms. You can now nominate your firm!

Cast your vote here!


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And Finally… 

Are your presents covered this Christmas?

Unoccupied houses and stacks of gifts could make your home a target for thieves over the festive period – are you covered if the worst were to happen?

We’ve six questions to consider to help keep your home safe and make sure you don’t lose out if you were to be burgled over Christmas.

Click here to read the full article

Source: The Money Advice Service 5th December 2017


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Are your presents covered this Christmas?