{"id":26869,"date":"2025-09-17T11:02:07","date_gmt":"2025-09-17T11:02:07","guid":{"rendered":"https:\/\/www.newsbeep.com\/ie\/26869\/"},"modified":"2025-09-17T11:02:07","modified_gmt":"2025-09-17T11:02:07","slug":"the-problem-of-loaded-premiums","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/ie\/26869\/","title":{"rendered":"The problem of loaded premiums"},"content":{"rendered":"<p>In its Structure of the UK Pure Protection Market for Retail Customers (MS24\/1.3, part of the Pure Protection Market Study), the Financial Conduct Authority (FCA) touches on the contentious issue of loaded premiums but perhaps not in a way many of us had either expected or hoped.<br \/>\n In paragraphs 5.25- 5.26 the FCA notes: where intermediaries negotiate higher commissions from insurers, it often leads to elevated premiums for consumers.<br \/>\n It also says that &#8220;distributors may legitimately seek to negotiate loaded premiums to cover additional costs incurred (in comparison to competitors) for t&#8230;<\/p>\n","protected":false},"excerpt":{"rendered":"In its Structure of the UK Pure Protection Market for Retail Customers (MS24\/1.3, part of the Pure Protection&hellip;\n","protected":false},"author":2,"featured_media":26870,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[72,22449,22443,22444,61,3766,60,22448,123,22447,22446,22445,1577],"class_list":["post-26869","post","type-post","status-publish","format-standard","has-post-thumbnail","category-markets","tag-business","tag-consumer-duty","tag-fca","tag-financial-conduct-authority","tag-ie","tag-in-depth","tag-ireland","tag-loaded-premiums","tag-markets","tag-pure-protection-market-study","tag-st-jamess-place","tag-tony-mudd","tag-uk"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts\/26869","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/comments?post=26869"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts\/26869\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/media\/26870"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/media?parent=26869"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/categories?post=26869"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/tags?post=26869"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}