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To: "" <admin@sarahharvey.com>
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Date: Mon, 16 Feb 2026 11:08:14 +0000
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Reply-To: enquiries@bateman-group.co.uk
From: "The Bateman Group" <enquiries@bateman-group.co.uk>
Subject: Is your business insurance keeping up?
Feedback-ID: 052-d1927b19-ca96-4d5d-a0cf-c086a8651624:001-624559ff-cf1a-4a8b-bb1b-43c0467581c1:swiftpage-eu:actsend

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<p style=3D"margin:0;font-size:14px;text-align:center;mso-line-height-alt:1=
6.8px">Welcome to February's newsletter from The Bateman Group -&nbsp; expe=
rienced insurance brokers helping businesses, families & individuals since =
1967.</p></div></div>=0A</td></tr></table></td></tr></tbody></table></td></=
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heading_block block-2" width=3D"100%" border=3D"0" cellpadding=3D"0" cellsp=
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e=3D"margin:0">=0AMost business owners renew their insurance the way they r=
enew their broadband contract =E2=80=93 they check the price, wince slightl=
y, and accept it. If the premium has not gone up dramatically, it feels lik=
e a win. But in 2026, that approach carries a real and growing risk, and it=
 is not the one you might think.</p></div></td></tr></table><table class=3D=
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aecad4aa=3D=3D=3D=3D=3D=3D" target=3D"_blank">=0A<img src=3D"https://inboxg=
uru.s3.amazonaws.com/001-624559ff-cf1a-4a8b-bb1b-43c0467581c1/Bateman%20Gro=
up%20Newsletter%20Images%2024%20%281%29_16.png" style=3D"display:block;heig=
ht:auto;border:0;width:100%" width=3D"600" alt title height=3D"auto"></a></=
div></div></td></tr></table><table class=3D"heading_block block-7" width=3D=
"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentatio=
n" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=3D"pad" =
=0Astyle=3D"padding-top:10px;text-align:center;width:100%"><h1 style=3D"mar=
gin:0;color:#555;direction:ltr;font-family:Arial,Helvetica Neue,Helvetica,s=
ans-serif;font-size:23px;font-weight:700;letter-spacing:normal;line-height:=
1.2;text-align:center;margin-top:0;margin-bottom:0;mso-line-height-alt:28px=
">Changes to Inheritance Tax on Pensions in 2027</h1></td></tr></table><tab=
le class=3D"paragraph_block block-8" width=3D"100%" border=3D"0" cellpaddin=
g=3D"10" cellspacing=3D"0" role=3D"presentation" =0Astyle=3D"mso-table-lspa=
ce:0;mso-table-rspace:0;word-break:break-word"><tr><td class=3D"pad"><div s=
tyle=3D"color:#000;direction:ltr;font-family:Arial,Helvetica Neue,Helvetica=
,sans-serif;font-size:14px;font-weight:400;letter-spacing:0;line-height:1.2=
;text-align:center;mso-line-height-alt:17px"><p style=3D"margin:0;margin-bo=
ttom:16px">=0AIf you have been relying on your pension as a way to pass on =
wealth to your family free of inheritance tax, the rules are about to chang=
e in a significant way. From April 2027, most unused&nbsp;<a href=3D"https:=
//clickeu.actmkt.com/s2/001-624559ff-cf1a-4a8b-bb1b-43c0467581c1/055-b35a6d=
09-f041-473f-b7a4-624572867df8=3Fenr=3Dnaahiaduabyaa4yahiac6abpab3qa5yao4ac=
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gmagcabsaa3qanyapqadaabvaazaaliamqadcabzaazaanyamiadcabzaawqayyameadsabwaaw=
qanaamqadkadeaawqayiagaaggadgaawqayyagaadqabwabqqaoaagyadkabraa3aamqagqahya=
bqaa2qaoiafuadcabyabqqanqahaagcabuaazaaliagqagiabxaayqaliagqadaadgaazaaliam=
iadqadeaa2aaliageagkabzaa2qanaagyageabqabraanaagyadsad4aayaamaageac2abwaaza=
anaaguadkabzabtaazqafuaggadgaayqayiafuadiadbaa4aayqafuageadcaayqayqafuadiab=
tabrqamaagqadmabxaa2qaoaageaggabrab6aazaamiagcadfaa4qazqamiadmabnabraamaage=
adqabnaa2aayqameaggabnaa4aaniageadkabnaa2qayiaheadgadfaa4qaoiahaadcadgabsqa=
niapqaecad4aa=3D=3D=3D=3D=3D=3D" style=3D"text-decoration: underline; color=
: #0068a5;">pension funds</a>&nbsp;will be brought into the scope of inheri=
tance tax (IHT) for the first time.&nbsp;</p><p style=3D"margin:0">=0AThere=
 is still time to act, but the window is closing, and the planning decision=
s you make in the next twelve months could make a substantial difference to=
 the financial legacy you leave behind.</p></div></td></tr></table><table c=
lass=3D"button_block block-9" width=3D"100%" border=3D"0" cellpadding=3D"10=
" cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-t=
able-rspace:0"><tr><td class=3D"pad"><div class=3D"alignment" align=3D"cent=
er">=0A<a href=3D"https://clickeu.actmkt.com/s2/001-624559ff-cf1a-4a8b-bb1b=
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f mso]>=0A<v:roundrect xmlns:v=3D"urn:schemas-microsoft-com:vml" xmlns:w=3D=
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aniapqaecad4aa=3D=3D=3D=3D=3D=3D"  style=3D"height:42px;width:132px;v-text-=
anchor:middle;" arcsize=3D"31%" fillcolor=3D"#00529b">=0A<v:stroke dashstyl=
e=3D"Solid" weight=3D"0px" color=3D"#00529b"/>=0A<w:anchorlock/>=0A<v:textb=
ox inset=3D"0px,0px,0px,0px">=0A<center dir=3D"false" style=3D"color:#fffff=
f;font-family:sans-serif;font-size:16px">=0A<![endif]-->=0A<span class=3D"b=
utton" style=3D"background-color: #00529b; mso-shading: transparent; border=
-bottom: 0px solid transparent; border-left: 0px solid transparent; border-=
radius: 13px; border-right: 0px solid transparent; border-top: 0px solid tr=
ansparent; color: #ffffff; display: inline-block; font-family: Arial, Helve=
tica Neue, Helvetica, sans-serif; font-size: 16px; font-weight: 400; mso-bo=
rder-alt: none; padding-bottom: 5px; padding-top: 5px; padding-left: 20px; =
padding-right: 20px; text-align: center; width: auto; word-break: keep-all;=
 letter-spacing: normal;"><span style=3D"word-break: break-word; line-heigh=
t: 32px;"><strong>Read Article</strong></span></span>=0A<!--[if mso]></cent=
er></v:textbox></v:roundrect><![endif]--></a></div></td></tr></table><table=
 class=3D"divider_block block-10" width=3D"100%" border=3D"0" cellpadding=
=3D"10" cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0=
;mso-table-rspace:0"><tr><td class=3D"pad"><div class=3D"alignment" align=
=3D"center"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D=
"presentation" width=3D"100%" style=3D"mso-table-lspace:0;mso-table-rspace:=
0"><tr><td class=3D"divider_inner" =0Astyle=3D"font-size:1px;line-height:1p=
x;border-top:1px solid #bbb"><span style=3D"word-break: break-word;">&#8202=
;</span></td></tr></table></div></td></tr></table><table class=3D"image_blo=
ck block-11" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0=
" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr=
><td class=3D"pad" style=3D"width:100%;padding-right:0;padding-left:0"><div=
 class=3D"alignment" align=3D"center"><div class=3D"fullWidth" style=3D"max=
-width:600px">=0A<a href=3D"https://clickeu.actmkt.com/s2/001-624559ff-cf1a=
-4a8b-bb1b-43c0467581c1/055-b35a6d09-f041-473f-b7a4-624572867df8=3Fenr=3Dna=
ahiaduabyaa4yahiac6abpab3qa5yao4ac4adcabqqa5aamuag2adbabxaaliam4aheadpab2qa=
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a=3D" target=3D"_blank"><img src=3D"https://inboxguru.s3.amazonaws.com/001-=
624559ff-cf1a-4a8b-bb1b-43c0467581c1/Bateman%20Group%20Newsletter%20Images%=
2024_14.png" style=3D"display:block;height:auto;border:0;width:100%" width=
=3D"600" alt title height=3D"auto"></a></div></div></td></tr></table><table=
 class=3D"heading_block block-12" width=3D"100%" border=3D"0" cellpadding=
=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;=
mso-table-rspace:0">=0A<tr><td class=3D"pad" style=3D"padding-top:10px;text=
-align:center;width:100%"><h1 style=3D"margin:0;color:#555;direction:ltr;fo=
nt-family:Arial,Helvetica Neue,Helvetica,sans-serif;font-size:23px;font-wei=
ght:700;letter-spacing:normal;line-height:1.2;text-align:center;margin-top:=
0;margin-bottom:0;mso-line-height-alt:28px"><span class=3D"tinyMce-placehol=
der" style=3D"word-break: break-word;">FCA Changes for Investors</span></h1=
></td></tr></table><table class=3D"paragraph_block block-13" width=3D"100%"=
 border=3D"0" =0Acellpadding=3D"10" cellspacing=3D"0" role=3D"presentation"=
 style=3D"mso-table-lspace:0;mso-table-rspace:0;word-break:break-word"><tr>=
<td class=3D"pad"><div style=3D"color:#000;direction:ltr;font-family:Arial,=
Helvetica Neue,Helvetica,sans-serif;font-size:14px;font-weight:400;letter-s=
pacing:0;line-height:1.2;text-align:center;mso-line-height-alt:17px"><p sty=
le=3D"margin:0">=0AOn January 16, 2025, the&nbsp;FCA announced sweeping cha=
nges to how investors are classified, potentially opening up new investment=
 opportunities for experienced savers and wealthy individuals. For sophisti=
cated UK investors, these changes could be the most significant shift in in=
vestment access since Brexit. Find out what this means for you in our lates=
t article.</p></div></td></tr></table><table class=3D"button_block block-14=
" width=3D"100%" border=3D"0" cellpadding=3D"10" cellspacing=3D"0" =0Arole=
=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td c=
lass=3D"pad"><div class=3D"alignment" align=3D"center"><a href=3D"https://c=
lickeu.actmkt.com/s2/001-624559ff-cf1a-4a8b-bb1b-43c0467581c1/055-b35a6d09-=
f041-473f-b7a4-624572867df8=3Fenr=3Dnaahiaduabyaa4yahiac6abpab3qa5yao4ac4ad=
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gmagkabzaa4qaoaageagmadfaa2qa7aaieahyaa=3D" target=3D"_blank" style=3D"colo=
r:#ffffff;text-decoration:none;"><!--[if mso]>=0A<v:roundrect xmlns:v=3D"ur=
n:schemas-microsoft-com:vml" xmlns:w=3D"urn:schemas-microsoft-com:office:wo=
rd"  href=3D"https://clickeu.actmkt.com/s2/001-624559ff-cf1a-4a8b-bb1b-43c0=
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mabrabqqaliagqagcabyabraaliamiageabrabraaliagqadgaddaayaanaagyadoabvaa4aami=
ammadcad4absaayqameagkabzabtaayqagyac2adcaayaamiahaac2abuabraayiammac2abyaa=
2qamiaguac2abvabqqaoiagmagkabzaa4qaoaageagmadfaa2qa7aaieahyaa=3D"  style=3D=
"height:42px;width:132px;v-text-anchor:middle;" arcsize=3D"31%" fillcolor=
=3D"#00529b">=0A<v:stroke dashstyle=3D"Solid" weight=3D"0px" color=3D"#0052=
9b"/>=0A<w:anchorlock/>=0A<v:textbox inset=3D"0px,0px,0px,0px">=0A<center d=
ir=3D"false" style=3D"color:#ffffff;font-family:sans-serif;font-size:16px">=
=0A<![endif]-->=0A<span class=3D"button" style=3D"background-color: #00529b=
; mso-shading: transparent; border-bottom: 0px solid transparent; border-le=
ft: 0px solid transparent; border-radius: 13px; border-right: 0px solid tra=
nsparent; border-top: 0px solid transparent; color: #ffffff; display: inlin=
e-block; font-family: Arial, Helvetica Neue, Helvetica, sans-serif; font-si=
ze: 16px; font-weight: 400; mso-border-alt: none; padding-bottom: 5px; padd=
ing-top: 5px; padding-left: 20px; padding-right: 20px; text-align: center; =
width: auto; word-break: keep-all; letter-spacing: normal;"><span style=3D"=
word-break: break-word; line-height: 32px;"><strong>Read Article</strong></=
span></span>=0A<!--[if mso]></center></v:textbox></v:roundrect><![endif]-->=
</a></div></td></tr></table><table class=3D"divider_block block-15" width=
=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presenta=
tion" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=3D"pad"=
 style=3D"padding-bottom:10px;padding-top:5px"><div class=3D"alignment" ali=
gn=3D"center"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=
=3D"presentation" width=3D"100%" style=3D"mso-table-lspace:0;mso-table-rspa=
ce:0"><tr><td =0Aclass=3D"divider_inner" style=3D"font-size:1px;line-height=
:1px;border-top:1px solid #bbb"><span style=3D"word-break: break-word;">&#8=
202;</span></td></tr></table></div></td></tr></table><table class=3D"text_b=
lock block-16" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D=
"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0;wo=
rd-break:break-word"><tr><td class=3D"pad" style=3D"padding-bottom:20px;pad=
ding-left:5px;padding-right:5px;padding-top:10px"><div style=3D"font-family=
:sans-serif"><div =0Aclass style=3D"font-size:12px;font-family:Arial,Helvet=
ica Neue,Helvetica,sans-serif;mso-line-height-alt:14.399999999999999px;colo=
r:#555;line-height:1.2"><p style=3D"margin:0;font-size:14px;text-align:cent=
er;mso-line-height-alt:16.8px"><span style=3D"word-break: break-word; font-=
size: 14px;">For advice on any of the topics covered in this newsletter spe=
ak to our experts by calling </span></p><p style=3D"margin:0;font-size:14px=
;text-align:center;mso-line-height-alt:16.8px">=0A<span style=3D"word-break=
: break-word; font-size: 14px;">0800 731 6689 or email us <a href=3D"mailto=
:enquiries@bateman-group.co.uk" target=3D"_blank" title=3D"enquiries@batema=
n-group.co.uk" style=3D"text-decoration: underline; color: #0068A5;" rel=3D=
"noopener">enquiries@bateman-group.co.uk</a><br></span></p></div></div></td=
></tr></table></td></tr></tbody></table></td></tr></tbody></table><table cl=
ass=3D"row row-4" align=3D"center" width=3D"100%" border=3D"0" cellpadding=
=3D"0" cellspacing=3D"0" =0Arole=3D"presentation" style=3D"mso-table-lspace=
:0;mso-table-rspace:0"><tbody><tr><td><table class=3D"row-content stack" al=
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