One of the main reasons why many people simply don't bother with personal accident insurance is that no one really wants to have to worry about having a serious accident or possibly dying as a result of injury.

Yet there's another reason why people don't take out cover. And that's because they believe, often mistakenly, that they're already included with other products, such as:

Inheritance tax is a source of mystery for many of us. It can be defined as tax paid by the beneficiary if he/she receives an inheritance due to someone’s demise. Whether inheritance happens as per a will or intestacy, it is applicable or in latter cases, it is comparatively higher.

It is possible, however, to mitigate inheritance tax liability by doing proper tax planning in advance. To properly allocate your assets or minimize amount of tax liability on it, it is best to seek expert inheritance tax planning advice.

When the trustees board of a UK company's pension scheme finds the going just a little bit too much to handle then what should it do? Time surely to be thinking about the expertise which perhaps only independent trustee services can bring to bear to resolve any difficulties. And given how the pensions landscape is rapidly changing at the moment, it could turn out to be one of the best moves the trustees board makes all year!

Whether scheme member or employer, the world of pensions is a complicated business at the best of times. It can also be time consuming, too, with hurdles and pitfalls always ready to ensnare the unwary. Trustees certainly need to be on their toes. Otherwise the consequences could be disastrous, not only from a personal point of view, but also for the members of the pension scheme they are legally bound to protect. Perhaps that's why more and more schemes are turning to pensions professionals to provide expert advice and guidance.

There are independent trustees throughout the UK which deal with all sizes of pension scheme, from those run by small companies to the larger schemes operated by major public companies.

The range of services provided by such trustees covers the whole gamut of the pensions industry, from wind-up exercises to dispute resolution. Some firms are specialists in particular areas, whereas others operate as 'one-stop shops'.

Often trustees will only ever consider using the services of pensions professionals when the scheme they're managing slides into real difficulty, perhaps because the company has become insolvent, for example. In such a scenario, the Pensions Regulator becomes involved in the process, and the pension scheme's trustee board will have to decide whether they can handle the increased responsibilities or hand the extra work load over to a trustee company who have a real track record in aspects of the Pension Protection Fund (PPF) assessment process.

The first schemes were transferred to PPF in 2005. Since then, many companies have been successfully steered through the long and highly complex process by independent trustees. Some firms have specialist PPF teams that handle all aspects of the assessment process including administration and accounting.

Dealing with the PPF requires people with "experience and a clear understanding of its ever evolving processes".

Facts revealed by the TNS Research ‘Investigating the issue of underinsurance in Australia’ conducted in 2005 were simply shocking. The study revealed that 96% of Australian families lack enough life insurance cover that will protect their families for 10 years or more. Another research conducted  in 2007 revealed that Australia is one of the most underinsured nations in the world. It ranks 16th for life insurance penetration or density. Underinsurance problem ! only for life insurance, it is also for income protection insurance.

As the law and regulations relating to pension schemes have developed, independent trustees have become increasingly in demand. An independent trustee can be elected by members of the scheme, or appointed by management. As independent trustees, they are free from vested interests (lay trustees may, for example, also be beneficiaries of the scheme) and they are required to adhere to the official Codes of Practice as laid out by the Pensions Regulator.

The Great Britain officially entered into its "Great Recession" in the spring of 2008 and concluded in the autumn of 2009. The economy jumped out of the recession in a quick time than expected but faltered again in the closing quarter of 2010. So, the question arises, How big is UK's debt problem?

Many offers are provided on credit cards by companies as a facility to their customers. During a particular period according to the credit card plan, customers are not required to pay the interest on any purchase made. This period may vary from plan to plan and provider to provider. Also, the customers having such balance transfer cards can transfer the balance to another similar type of account. For instance, if a person is nearing the end of his introductory interest free period, he can transfer the entire credit card balance to another balance transfer credit card. In this way, the person will continue to enjoy 0% interest rate.

Individuals risk has been flowing down like water as their private medical cover by not being very loyal to their workplace or health insurance services if they have been made redundant, resign or retire.

Mostly corporate health insurers, including Bupa, Axa and WPA, which are an cooperate examples of insurance services offer a continuation option needed for departing employees who want to keep their PMI, which offers benefits including private hospital rooms and faster access to treatments than on the NHS.While employees cannot expect to keep their sub seized premiums, they can keep their cover for pre existing conditions, which can be a valuable perk, particularly for older workers.

When a group of leavers which has a condition such as heart disease or arthritis, it is important that they take up the continuation option by providing that this condition was covered under the group scheme, explains ‘Kevin Amphlet’t, managing director with Chase Templeton, the independent PMI intermediaries.