Meet the Team

As a family owned and managed business, The Life and Pensions Network Ltd has over half a century of both General Insurance and financial planning experience. With call centres becoming a real point of upset for clients, our business is founded on the principles that the client is key, personal is preferable and excellent service is essential.The continued success and growth of the business can be linked to these founding principles and has allowed our clients the confidence to recommend our services to other business contacts as well as their family and friends.

Who we are:

Richard Subden


Richard has 35 years experience within financial services, with a national building society, two leading insurance companies and from 1985 when he became and Independent Financial Advisor by establishing Richard Subden Insurance consultants Ltd. Richard has the FSA recognised qualifications of FPC 1, 2, and 3 as well as CeMap and DipFa. In his spare time Richard enjoys reading and walking, especially with his dogs in tow.


Roger Subden


Roger’s background also runs to 35 years in financial services and includes time spent with a High Street Bank and 15 years with a leading agricultural finance company. He joined Richard in 1992 and is qualified to FPC 1, 2, and 3. In his spare time he is a committee member of Louth Athletic Club and Louth Navigation Trust and has recently taken up beekeeping.


Mel Rhoades


Mel entered the financial services industry in 1982 after a 15 year career in retail sales and management, quickly gaining recognition from leading insurance providers by being awarded certificates of competence in Life Assurance and Pension Planning. He holds the industry standard qualifications of Financial Planning Certificates – 1 Investor Protection, 2 Life Assurance and 3 Pensions. Mel enjoys historical novels, fine red wine and furthering his substantial understanding of all things technological.


James Subden


James joined the family business in 2007 having spent 6 years working as a mortgage broker, both on the high street, with a large bank and latterly within an estate agency practice. This gives him an excellent understanding of the home sales and purchasing transaction. He has subsequently taken additional examinations and is now qualified to FPC 1, 2, and 3, CeMap, DipFa and Equity Release as well as foundation in General Insurance. James lives in Sheffield and spends his weekends playing hockey for Sheffield Hallam, running and commiserating with other Sheffield United fans.



Our consultants are ably supported by Jean Cook, Elaine Eyre-Berry and Nigel Warner who between them have many years of experience in the financial services sector and who between them ensure the smooth running of the business.


Where we are:

Temperance Hall

We are based in the beautiful, historic town of Epworth, situated between Scunthorpe and Doncaster in North Lincolnshire. Epworth is noted for its historical connections as the birthplace of John and Charles Wesley, indeed our offices are situated within the ‘Old Temperence Hall’.