As the retirement age advances, workers are more likely to switch profession

Salesmen go after Widows

Widowswindfall adds to siege of mutuals

Christmas has come early for members of Scottish Widows. Following last week's overwhelming vote in favour of a takeover by Lloyds TSB, the insurer will be paying out windfalls next June worth an average of pounds 5,600 to 1.6 million investors

Scottish Widows vote for pounds 5,600 Lloyds windfall

SCOTTISH WIDOWS members have voted overwhelmingly in favour of a takeover by Lloyds TSB, triggering bumper windfalls for 1.6 million policyholders.

Standard Life joins `red chip' in HK venture

STANDARD LIFE, the Edinburgh-based mutual life insurer, is preparing to move into the Hong Kong life and pensions market through a joint venture with China Everbright, one of China's leading companies .

The Player: Banking on people to win

PERSONAL DETAILS: Aged 56. Lives in London during the week and Northamptonshire at weekends. Drives a BMW 7-Series. Outside work, his interests include music and theatre. He has played the violin since school and is a non-executive director of the Royal Philharmonic Orchestra and a trustee of the Royal Theatre, Northampton. Mr Ellwood was paid a total of pounds 739,000 in 1998, including a salary of pounds 475,000.

Lloyds TSB restructures as e-commerce tops the agenda

LLOYDS TSB, Britain's largest high-street bank, is to cut the number of its operating divisions from five to two in a reshuffle of top management designed to give greater emphasis to developing e-commerce throughout the group.

Personal finance: Can CATs get the cream?

Regulators want to promote the kitemark on domestic ISAs, but unmarked ones can give a better return, writes Paul Slade

Market report: Huge Unichem trade gives dealers a merger headache

THE CHEMISTS' group Alliance Unichem was nursing a bit of a hangover yesterday as a large broker attempted to sell a chunk of shares.

Standard Life staff shun pounds 50,000 bonuses to join Halifax Net bank

STAFF AT Standard Life Bank are shunning loyalty bonuses of up to pounds 50,000 being offered in an attempt prevent them been poached by Halifax's new Internet-based bank being set up near Edinburgh.

Widows investors lose out on windfall

THOUSANDS of Scottish Widows investors who took out with-profit policies earlier this year have discovered they will not receive the windfalls they expected.

`Scottish Widows has come up with a fiendishly complex payout plan'

ANOTHER WEEK, another windfall. Hard on the heels of the Bradford & Bingley's payout plan for its demutualisation come the proposals from Scottish Widows on how to compensate its 1.6 million members when it sells up to Lloyds TSB.

Scottish Widows cuts windfalls by pounds 300 for 1m policyholders

WINDFALLS FOR almost a million Scottish Widows policyholders will be cut by an average of pounds 300 because of a shortfall in assets needed to back existing policies.
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