Welcome to this week’s Protection Update.
Please take the time to read through the update as there may be some information that is important to you.
Included in this week’s update:
Weekly Protection Update – 18th March 2022
Link to Protection Guru Article - https://protectionguru.co.uk/when-do-insurers-apply-smoker-and-ex-smoker-premium-rates/ Hi everyone and welcome to this week’s protection update – Friday 18th March. This week we’re going to carry on the underwriting theme by way [...]
Weekly Protection Update – 11th March 2022
Launching the Underwriting Hub, Taking a closer look at Aviva Underwriting Hi everyone and welcome to this week’s protection update – 11th March – where is the year going? I actually had a [...]
Weekly Protection Update – 4th March 2022
Protection Update 4th March 2022 https://youtu.be/fYio8PqZuC0 Hi everyone, welcome to this week’s protection update. Now I’m not actually here this week so this is a pre recorded update and it’s a [...]
Weekly Protection Update – 29th October 2021
Protection Update 29th October 2021 https://youtu.be/l4CcfYMwnfc Protection Update 29th October Hi everyone, I hope you are all keeping well. It’s Friday 29th October and this is the protection update. Let’s get this [...]
MetLife: TRM Everyday Protect monthly newsletter: October
EverydayProtect: essential protection tailored to your clients At MetLife, we keep your clients’ needs at the heart of everything we do. That’s why we’ve launched EverydayProtect; a flexible, budget-friendly individual protection policy that can be [...]
Scottish Widows: Help deliver better outcomes
Help deliver better outcomes Time to rethink protection? Our personal and business protection is now more inclusive, simpler to explain and easier to access. Learn more >>
VitalityLife – awarded gold at the Customer Experience Awards
We’re delighted to announce that Vitality scooped gold at this month’s Customer Experience awards ceremony in the category of CX Team of the Year – Up to 5001 employees. The awards attract leading companies such as Mercedes-Benz, [...]
Protection Guru: Zurich announce easing of covid-19 underwriting restrictions
ZURICH ANNOUNCE EASING OF COVID-19 UNDERWRITING RESTRICTIONS Zurich have announced today a relaxation of their underwriting restrictions, first introduced in March 2020 in response to the Covid-19 pandemic. The move should mean improved access [...]
Ceta Rewards: Click or treat
Halloween is creeping up on us... Celebrate with Ceta Rewards Click or Treat! What’s involved? We have hidden a pumpkin somewhere on our website. If you find it, you can enter our mystery prize draw – [...]
Weekly Protection Update – 22nd October 2021
Protection Update 22nd October 2021 https://youtu.be/V8YkmX0aF4M Protection update 22nd October Hi everyone and welcome to this Friday’s protection update 22nd October. Legal & General CO1P Legal and General are introducing some changes [...]
Later Life Lending Update – 21st October 2021
Welcome to our latest update dedicated to the topic of later life planning. Please take the time to read through the update as there may be some information that is important to you. This [...]
Pure Retirement’s new Emerald Range
Equity release specialists, Pure Retirement, have announced the launch of a new suite of lifetime mortgage products aimed at borrowers aged from 55-95 and with flexible repayment options and enhanced LTVs. Under the new [...]
more2life: Borrowing in later life report 2021
We've issues our latest 'Borrowing in Later Life' Report containing some interesting findings, such as: Total debt of people aged 55 and over is set to rise from £226 billion in 2020 to £236bn [...]
JUST: Use medical underwriting to help your clients get a better Just For You Lifetime Mortgage deal
Six in 10 people could borrow more, or get a better interest rate to reduce their borrowing costs with the Just For You Lifetime Mortgage medical underwriting option. We’ve added medical underwriting across our [...]
JUST: Helping you deliver lifetime mortgage solutions unique to every client
We’ve added medical underwriting across our Just For You Lifetime Mortgage range to help you respond to the FCA’s challenge for improved personalisation. And six in 10 people could borrow more, or reduce their [...]
Weekly Protection Update – 15th October 2021
Protection Update 15th October 2021 https://youtu.be/-kY5oernNE4 Protection update 15th October Hi everyone, It’s Friday 15th October and this is the protection update. Now I’ve just returned from holiday after a week [...]
Practical Protection Podcast – S4 Ep 7 – Intergenerational Wealth Planning
Hi everyone, I hope you managed to catch the Inbetweenysode last week, where I spoke about commission and fees. With there being a lot of discussion about this recently online, I thought it was the [...]
Protection Guru: How to convince clients critical illness pays out
Last week was yet another fun filled week in the Protection world. I want to start my summary by calling out some great work by my colleague Rob Harvey who has put together another stunning [...]
British Friendly: Introducing our new Occupation Guide
We have recently undertaken a review of our occupation list and we now offer cover to more occupations including pilots and fitness instructors. Plus, to give you extra clarity on our stance and help you [...]
Ceta Insurance: Are you ready for the renovation revolution?
As a result of the pandemic, we have spent more time at home than ever before. During the full lockdowns, most of us were confined to our homes for the vast majority of the day [...]
VitalityLife: A Case Study & Webinar
Athos’ story: “I looked at myself as bulletproof” Vitality Sales Director, Athos Rushovich is a keen runner. In fact, he’s run 12 ultramarathons in his time and dozens of marathons. So when he was diagnosed [...]
Weekly Protection Update – 8th October 2021
Protection Update 8th October 2021 https://www.youtube.com/watch?v=GuGfrIfkCZQ Protection update 8th October Hi everyone and welcome to this weeks protection update. I’m currently on holiday but please take a look at this weeks [...]
VitalityLife: Join our new Business Protection webinar series.
VitalityLife: Join our new Business Protection webinar series. Throughout October our team of Protection Specialists will be hosting a series of webinars designed to make our Business Protection proposition straightforward. We hope you’ll be able to join us for what [...]
Vitality: Serious illness cover claims statistics: Did you know?
VITALITY’S SERIOUS ILLNESS COVER CLAIMS STATISTICS: DID YOU KNOW? Vitality’s Serious Illness Cover has been designed to reflect modern illnesses, this is highlighted by our 2020 Serious Illness Cover claims statistics. 1 in 12 [...]
Scottish Widows: Is it time to rethink accessible underwriting and simplified critical illness?
Time to rethink protection? Did you know over 50%* of all UK adults don’t have protection in place? That’s why we’ve made our Personal and Business protection more inclusive to help deliver great outcomes for [...]
Legal & General: Umbrella Benefits. Additional cover your clients can count on.
Legal & General’s new Umbrella Benefits. Exclusive to intermediaries, it’s a package of additional cover and services to help you meet the needs of your clients, while providing the choice they want from their protection [...]
Cirencester Friendly: launch new Member Benefit.
Cirencester Friendly launched new Member Benefit. Following feedback from our Members, we are pleased to announce in September we launched our new Member Benefit, YourHalo*. YourHalo, provided by healthcare rm is a personalised health and [...]
Vitality: The Vitality Shared Value Insurance model at work in 2020
The Vitality Shared Value Insurance model at work in 2020 We deliver significant value to our members through our unique Shared Value Insurance model. The Personal Protection Plan An innovative proposition designed [...]
Cover: COVER Protection & Health Summit- Register today
Captain Louis Rudd, MBE will be giving the keynote address at the COVER Protection & Health Summit 2021. He will be kicking off the conference with a discussion about building resilience to overcome adversity. Read more about [...]
British Friendly: Self employed IP myth busting
Fluctuating income = no access to Income Protection? This and more myths debunked For many years Income Protection was seen as a closed door to self-employed people or anyone with a fluctuating income. Luckily that’s [...]
Legal & General :The 6 myths and misconceptions of protection #4: ‘I can rely on savings’
The 6 myths and misconceptions of protection #4: ‘I can rely on savings’ In his fifth blog in the series looking at the myths and misconceptions of protection, Robert Betts, Market Development Manager at [...]
Source’s latest resource: PITCH
How perfect is your pitch? We all know that the best sales results come from great pitches. It can be difficult to know when your client will be most receptive to a discussion around [...]
Scottish Widows: Supporting the Macmillan coffee morning
SUPPORTING THE MACMILLAN COFFEE MORNING As part of our ongoing and valuable partnership with Macmillan Cancer Support, we are delighted to be supporting their Coffee Morning today. Each year, the event raises vital funds to [...]
Vitality- Award Winners!
Vitality - it’s always nice to be recognised Vitality win Best CIC Provider, Best PMI Provider and Best Mortgage Protection Provider! We’re delighted to be able to share our success at recent awards and be [...]
Ceta have made the longlist in the Mortgage Introducer Awards
We have been nominated for the Mortgage Introducer Awards! Ceta Insurance has been nominated under the GI Provider of the Year and Best Use of Technology categories and we would be grateful if you could find the time [...]
Practical Protection Podcast – Inbetweenysode
S4 Inbetweenysode - Commission vs Fees (30 mins CPD) Hi everyone. With September being Blood Cancer Awareness Month, me and Matt Rann thought it was only right to have a podcast focusing on blood [...]
Weekly Protection Update – 1st October 2021
Protection Update 1st October 2021 https://youtu.be/O6sFv8jQ6Qs The Protection Insight Hub >> Protection Update 1st October 2021 Hi everyone and welcome to this week’s protection update – Friday 1st October 2021… We’re [...]
MetLife MultiProtect: Ensuring your children are protected, whatever happens
Ensuring your children are protected, whatever happens With school holidays upon us, it can be tricky to make sure our children are keeping themselves safe. Whether out with friends, being looked after by relatives, or [...]
Paymentshield: BE GI: Stronger Together virtual conference
Paymentshield invite you to join them at their “Be GI: Stronger Together” virtual conference on Tuesday 14th September from 9:45am. The conference will build on the theme of embracing general insurance (GI) and sharing ideas [...]
VitalityLife: Making the protection conversation easy for you and your clients
VitalityLife: Making the protection conversation easy for you and your clients To make talking about protection as easy as 1, 2, 3 we’ve simplified and enhanced our life insurance proposition … Select a core cover [...]
Ceta Insurance: The Ceta Insurance Broker League is back!
Ceta Insurance Fantasy Football is here! The Premier League returns on Friday 13th August and with that is Ceta’s Fantasy Football League. We have multiple prizes up for grabs. The winner will receive a £500 [...]
Protection Guru: Why we’re giving advisers the final say in our inaugural protection guru awards
Protection Guru: Why we're giving advisers the final say in our inaugural protection guru awards After a hectic July, with a flurry of new product announcements, the last week has perhaps felt a little quieter, [...]
Practical Protection Podcast: Gender & Income Protection
Practical Protection Podcast : Gender and Income Protection (40 mins CPD) Hi everyone. I hope you found the previous episode interesting, where we spoke about transgender and non-binary people accessing insurance and some of the [...]
MetLife: MultiProtect update
In 2021 so far, we’ve paid 7,986 claims, to the tune of £7.2m*… Despite home-working, school closures, and the cancelling of organised sporting events, the COVID-19 pandemic hasn’t changed how useful MultiProtect is to our [...]
Ceta: What have football and fax machines got in common?
Thanks to the European Championships, football fever has taken over the last couple of months. Now you may well be wondering why I am talking about football in a newsletter for brokers, well it is all [...]
Scottish Widows: Register now: Underwriting & Longevity webinars
TAKING ON… UNDERWRITING & LONGEVITY In an ever changing world with new conditions and treatment coming to light, and people generally living longer, it is important to factor this into your conversations and processes in [...]
Vitality: Do you help your clients make positive lifestyle choices?
Do you help your clients make positive lifestyle choices? We’ve all got our reasons to make positive choices in life. That includes you and your clients. Financial advisers are uniquely positioned to help their clients [...]
Legal & General: Live webchat now open Saturdays
Our Live webchat is now open Saturdays We have now opened our live webchat service on a Saturday from 9am – 1pm accessed through OLPC, the only channel available outside core working hours, allowing you [...]
British Friendly: Changes to our cover and Mutual Benefits improvement content
COVID-19 exclusion removal and upgraded Mutual Benefits prize draws! In light of the successful vaccine roll out and in line with the overall market response, we are delighted to announce that we have removed our [...]
The Exeter: Rental Clients? Think Income First
Rental clients? Think Income First Income First from The Exeter includes a guaranteed insurability option for renters, giving your clients even greater flexibility to ensure their cover meets their ever-changing needs. Visit our website [...]
Weekly Protection Update – 29th April 2021
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week’s update: Track your online [...]
Weekly Protection Update – 23rd April 2021
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week’s update: Don’t forget: Ceta [...]
Weekly Protection Update – 16th April 2021
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week’s update: The Exeter discuss [...]
Weekly Protection Update – 9th April 2021
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week’s update: Uinsure explain how [...]
Weekly Protection Update – 2nd April 2021
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week’s update: Source announce an [...]
Weekly Protection Update – 12th June 2020
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Guardian accept business [...]
Weekly Protection Update – 22nd May 2020
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Aegon, Aviva, Guardian [...]
Royal London: Stronger cover for your mortgage clients
In uncertain times, people typically focus on getting their finances in order. This could mean your clients are re-mortgaging to prevent any payment shocks. Or looking for protection that offers flexibility and extra peace of mind. [...]
Weekly Protection Update – 18th December 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: LV= talks Income [...]
Later life planning Update – December 2019
Welcome to this month's lending into retirement Update. Please take the time to read through the update as there may be some information that is important to you. Included in this month's update: Just: [...]
LV= Income Protection tailored for clients who rent
20% of people rent the property they live in? And for many, this is a longer-term option. However, people that rent still need the right cover and support in place if they're unable [...]
JUST: Our weekly summary
Lifetime mortgage application cycle STAGE 1 Applications received waiting to be worked STAGE 2 Case checked and reviewed for approval (packaged for underwriters) STAGE 3 Case assessed by Underwriters for approval and set [...]
Berkeley Alexander: Card Payment Rules – How will this affect brokers?
Payment Services Directive 2 (PSD2) came into effect in September potentially impacting mortgage brokers, independent financial advisers and other intermediaries.It will come into play when using a client’s card to pay for something online [...]
Latest update from Family Building Society – New mortgage rates and products
What do you think of the Family Building Society? Have you completed a case with the Family Building Society recently? If so, how did they do? If you have, can you please share your [...]
Royal London: Shaping up for the New Year
Prioritising protection to strengthen your business Our Brexit Barometer revealed that one in five Brits – about 10 million people – have put off making a big financial decision like buying a home because [...]
CanadaLife: We’ve enhanced our Capital Select Options
We're very pleased to announce that we have enhanced our Capital Select Options. We have: Increased LTVs across all options Decreased interest rates across all options Please note, our adjusted APRs have been calculated [...]
Aviva: First Renewal Guarantee Offer | Healthier Solutions
At Aviva we are constantly evolving to provide you and your clients with products and services to help tackle challenges faced. With this in mind, we recognise that some customers who take advantage [...]
Scottish Widows: Mental health matters
Read our latest article to find out how we are committed to continuously improving the protection experience for customers with a history of mental health conditions. Find out more https://www.scottishwidowsprotect.co.uk/inourmarket/mentalhealthmatters
Vitality: Launch Live Broadcast
Due to high-demand, Vitality were unable to secure everyone with a place at one of their Launch 2019 events. If you didn’t have the opportunity to attend an event, you can still find out [...]
LV= Lump Sum+ Revised Rates
Please note we are increasing rates on our Lump Sum+ product effective Wednesday 18th December. Our new rates are as shown below. The deadline for submission of applications on our old rates is 16th [...]
Uinsure: We’ve added UK General to our panel of insurers!
We're excited to announce we've added UK General to our Household and Buy to Let panels of leading UK insurers! "A fantastic addition to our panel" The addition [...]
The Exeter: A huge thanks to you
“Thank you” for your continued support As we reach the end of 2019, we want to say a big “thank you” for your continued support. We look forward to working with you in [...]
The Exeter: Our new physiotherapy benefit is a big hit with our members
All of our members and their immediate families have access to HealthWise; our member benefits app, providing access to a variety of wellbeing services. Our physiotherapy service, available to our income protection and health [...]
LV= Income Protection that works when your client can’t
LV= know that sometimes it can be hard to translate the value of Income Protection to your clients. That’s why they include a range of value-added features at no extra cost, supporting your clients [...]
Aviva: We’re reducing the cost of our waiver of premium
To support the purchase of waiver of premium and provide further value for policyholders, we’re reducing the cost of our waiver benefit by an average of 60%. This change applies to all quotes with [...]
Royal London: A tailored approach to underwriting
We understand that everyone's different, that's why we tailor our underwriting service to suit your clients' needs. With our technology and trained underwriters, we make sure even the most complex cases are handled quickly. And because [...]
Vitality Life: Life’s better with more Vitality
At this year’s Launch 2019, Vitality announced a number of exciting new benefits for VitalityLife, as well as exciting enhancements to the Vitality Programme aimed at providing even more of their members with access to Vitality [...]
Paymentshield: What are the key moments for connecting with your client?
Make connecting with your clients easier, with Paymentshield’s new eBook and five minute webinar on the key moments to talk GI. During the mortgage application process, there are several key opportunities to raise the [...]
Uinsure: The final month of 2019 is drawing to an end
It's all 'sleighbells are ringin" here at Uinsure HQ! It's been a month of celebrations and launches - this month, we walked away with the prestigious "GI Provider of the Year" at the Mortgage [...]
Weekly Protection Update – 13th December 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Metlife help you [...]
Weekly Protection Update – 6th December 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Royal London prioritise [...]
Legal and General – Bowel Cancer, protection – and beards
Every year, Bowel Cancer UK asks people to grow a beard during the month as part of ‘Decembeard’. The aim is to raise awareness and funds, to support research and lifesaving work. So December [...]
Uinsure – It’s the final month of 2020!
Well here we are the final month of 2019 is upon us! It's all 'sleighbells are ringin" here at Uinsure HQ! It's been a month of celebrations and launches - this month, we walked away [...]
LV= – Personal Sick Pay: IP solution designed for riskier occupations
LV= Personal Sick Pay is our specialist income protection aimed at clients in riskier jobs who can be more expensive to insure, such as tradespeople, nurses, electricians and construction workers. It’s also ideal for [...]
SM&CR – The shift from responsibility to accountability
Johnny Timpson explains why SM&CR for insurance intermediaries represents a shift from responsibility to accountability. Read his blog to find out if you are SM&CR ready ahead of the 9th December deadline: Find out [...]
The Exeter: GP on demand with HealthWise
With HealthWise there’s less waiting A reported 30% of people find it difficult to contact their GP practice by phone1, and when something is worrying, time is of the essence. With awareness and use [...]
Royal London: Prioritising the protection conversation
By Jennifer Gilchrist Alarmingly, most people continue to run the risk of life shocks without having an appropriate back up plan to help them cope financially, practically or emotionally. In Royal London’s State of [...]
Weekly Protection Update – 29th November 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: LV= Supporting clients going [...]
The Exeter – HealthWise – Unique benefits built on experience
Illness and injury can happen to anyone at any time, and for some it can have a big impact on everyday living, both now and in the future. At The Exeter we know just [...]
Aviva – Focus on Global Treatment and boost your CPD
We want to share some information on how Global Treatment can help your customers and their children access medical experts world-wide and cover the cost of overseas treatment. Global treatment: expert care for your customers and their children If [...]
Royal London – Essential Maintenance being carried out Saturday 7/8 December for protection
We need to carry out some essential maintenance to our Protection On Line Service website on Saturday 7th December commencing 7am through to Sunday 8th December 10pm. *Please note Saturday night and Sunday are [...]
Berkeley Alexander – High Stakes – Playing Russian Roulette with commercial insurance
Recent research commissioned by a leading premium finance company last month revealed that over a third of UK businesses have cancelled one or more insurance policies, including compulsory insurance such as Employers’ Liability, over [...]
More2Life – An update from Martin Heppenstall – Chief Underwriter
An update from Martin Heppenstall - Chief Underwriter With almost 60 product variants on offer, we are in a great position to turn your applications into completed loans. But finding the right [...]
LV= Supporting clients going through a life changing event
We know that clients may think they're invincible, and that accidents aren't likely to happen to them as they don't part-take in 'extreme' activities. However, accidents do happen, and usually when clients least expect [...]
The Right Mortgage & Protection Network unveils 2020 events calendar
The Right Mortgage & Protection Network unveils 2020 events calendar Network announces more than 70 events in 2020; The network kicks off 2020 with its popular peer group meetings; Thousands of members attended courses [...]
Weekly Protection Update – 22nd November 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Canada Life's Individual [...]
Canada Life – Individual Protection Press Release
A third of mortgage holders who used an adviser will go elsewhere when their fixed deal ends – but untapped opportunities exist for brokers to retain clients One in three (32%) homeowners aren’t planning [...]
Royal London – A CPD Hub to meet your learning needs
Stay ahead of the game The new CPD year has started already. And to help you get ahead with your learning, we've created a CPD Hub packed with bite-sized modules on everything from income [...]
Cirencester – All you need to know about My Earnings Protected!
Talk to your clients about income protection Our My Earnings Protected income protection contract is flexible, affordable and available to a wide range of occupations. Here are a few key features which makes My [...]
Association of British Insurers – UK Insurance & Long-Term Savings key facts
The UK insurance industry is the largest in Europe and the fourth largest in the world. It plays an essential part in the UK’s economic strength, managing investments of over £1.6 trillion and paying [...]
The Exeter – Clients with Type 2 diabetes? We can manage that
World Diabetes Day was on 14 November, aiming to highlight the health challenge that diabetes has become across the world. It is currently the fifth most common cause of death and is now one [...]
Scottish Widows – Claims Case Studies
Clients don’t always see how claims statistics relate to their own lives – our case studies can help you highlight the life behind the numbers. Find out more
Golden Charter: There is a certain certainty to funeral plans
As a wise person once said, there are only two certainties in life – death and taxes. And if you’re planning on dying at some point in the future, you’ll need a funeral plan. Okay, [...]
Legal and General: Underwriting made simple
Delivering a better service These new changes are part of our commitment to help make the process easier. In fact, we’re making the whole underwriting process quicker, not just for your clients but for [...]
Save time with the LV= Pre-Underwiting Tool
If your client has a previous or existing medical condition, LV=’s Pre-Underwriting tool will give you an indicative decision in an instant. You can access the tool by logging into our quote and apply [...]
L&G – Renters need protection too
Unlike homeowners, renters don’t realise they may need financial protection. Research from Sainsbury's Bank recently revealed that only a quarter of renters (26%) are likely to have life insurance or critical illness cover, compared [...]
April UK: You can now submit personal accident plans online
We’re delighted to inform you that you can now submit applications for our Personal Accident Plan and Sports Accident Plan online through our Broker Portal. This means it’s quicker and easier than ever before [...]
Royal London: Six facts about diabetes to make you think
Did you know that 4.7 million people in the UK are living with diabetes? That’s one in 15 people. This number has doubled over the past 20 years. 1 And yet despite its prevalence, diabetes [...]
The Exeter: Leading the way and putting claims at the heart of its business
We are committed to providing an excellent claims service to our members and we are continually looking for ways to improve it. Wanting to make our claims service both quicker and easier for our [...]
Scottish Widows: CPD Course – Inheritance tax for protection advisers
In this CII accredited CPD course, we look at the key aspects of Inheritance Tax (IHT) for protection advisers. Find out more
Weekly Protection Update – 15th November 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Scottish Widows release [...]
Later life planning Update – November 2019
Welcome to this month's lending into retirement Update. Please take the time to read through the update as there may be some information that is important to you. Included in this month's update: Buckinghamshire [...]
Just: Lifetime mortgage case study
Allan and Lisa Lim’s story Allan (68) and Lisa (61) have been married for 40 years with a son and two daughters. They have three grandchildren with another on the way. This couple has [...]
LV= Lump Sum + revised rates
Please note we have increased rates on our Lump Sum+ product. Our new rates are as shown below. The deadline for submission of applications on our old rates is 26 November 2019. App fee [...]
Weekly Protection Update – 8th November 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Legal & General’s [...]
Royal London – Claims Charter brings industries together to make a difficult time easier
Alan Knowles, chair of the Protection Distributors Group (PDG) tells us more about the Claims Charter Initiative. The Claims Charter, an initiative that was introduced by the Protection Distributors Group (PDG), aims to improve [...]
Legal & General’s new Rental Protection Plan could help pay towards rent on your client’s home when they can’t
Did you know? The number of households in UK’s private rented sector increased from 2.8 million in 2007 to 4.5 million in 2017 – that’s an increase of 1.7 million (63%) 1. Only 26% [...]
Scottish Widows – Purple Tuesday: improving customer access and experiences
In Johnny Timpson’s latest blog he highlights how your organisation can get involved in Purple Tuesday, an initiative aimed at creating more accessible customer experiences for disabled people. Read more
The Exeter – HealthWise: helping your clients manage stress
Wednesday 6th November was National Stress Day, created by Mind, the mental health charity, to get people talking about stress and how it affects them1. What is stress? Stress is a normal part of [...]
LV= helping to support clients through life changing events
We know that a lot of clients don't realise the chances of them, or their family becoming ill, especially critically because of life limiting or life changing illness or accident. However, it can happen, [...]
Aviva Protection Team – Your Webinar Invite – Our most complete cover yet
We know that attending events is not always possible, and for those of you who couldn't make our Round Table events, we're making things easier and bringing them to you! As the end of [...]
The Guardians New Combined Life And Critical Illness Protection Is Available Now
Advisers have told us we could make life better for them and their clients by combining life and critical illness cover in a single product for mortgage protection. So here it is. As you’d expect, [...]
Royal London: Could your self-employed clients use the difference in National Insurance contributions to help buy a protection plan?
If a client is self-employed, they won't be able to rely on common employer benefits such as death-in-service cover or sick pay. This means that without an additional plan in place, they and their [...]
Supporting your clients’ health with enhanced LV= Doctor Services!
Due to the constant change and strain on the UK healthcare system, and the increasingly busy lives of your clients, the need for quality, convenient healthcare has never been greater. LV= is helping by [...]
You’re invited to VitalityLife and VitalityHealth’s Launch 2019
Sharing even more value. You’re invited to VitalityLife and VitalityHealth’s Launch 2019, which will be taking place around the UK from 19 November – 27 November 2019. Please join us to learn how we’re [...]
Cirencester Friendly: Additions to children’s critical illness support
I just wanted you to be amongst the first to know that we have launched our ‘Children’s Critical Illness Support’ on Wednesday 23rd October.It will be available to all new and existing Members (some terms [...]
Berkeley Alexander launch new risk management service for intermediary clients
Berkeley Alexander are pleased to announce the launch of a new risk management portal service for brokers and other intermediaries to offer to their business clients. The extensive service helps businesses to manage all aspects [...]
Scottish Widows CPD Course: Residence nil-rate band for protection advisers
In this CII accredited CPD course, we look at the features and benefits of the Inheritance Tax Residence Nil-Rate Band. Find out more.
The Exeter are combining digital power with a human touch thanks to Healthwise
All our members and their immediate family have access to our HealthWise app. The app provides access to health and wellbeing services, bespoke to their policy. The services available include GP-on-demand, a second medical [...]
April updates on cross selling opportunity for Right Mortgage advisers
If you have a client base of mortgage customers – here’s a new plan that you can cross-sell and give your valued customers the additional peace of mind they deserve. Our Mortgage Protector Plan enables [...]
Weekly Protection Update – 1st November 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Royal London: Could [...]
Weekly Protection Update – 25th October 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: The Exeter prove [...]
Royal London: Why support services can be more valuable than a pay-out
Support services available through protection plans can offer your clients something they might not expect and could help you build long-term trusting client relationships. Aftercare can be an important of part of recovery. Over 50% [...]
Cirencester Friendly: Introducing Children’s Critical Illness Support
Another reason to recommend Cirencester Friendly Introducing Children’s Critical Illness Support, a brand-new benefit to sit alongside your clients’ income protection contract, at no additional cost. We’ve added another great new benefit to our [...]
Vitality: Get active with Apple Watch Series 5
Vitality are delighted to announce that members can now track their health with the new Apple Watch Series 5. The benefit works the same as before - members will need to make an initial upfront [...]
LV= Personal Sick Pay: income protection designed for riskier occupations
LV= Personal Sick Pay is our specialist income protection aimed at clients in riskier jobs who can be more expensive to insure, such as tradespeople, nurses, electricians and construction workers. It’s also ideal for [...]
Scottish Widows: A costly diagnosis going hand in glove with vulnerability
The financial cost of cancer can be devastating. Johnny Timpson reflects on MacMillan Cancer Support’s latest report: ‘Cancer- a costly diagnosis?’ Read now
The Exeter: Income protection isn’t just for long-term illnesses. We cover flu and chickenpox too!
Income protection from The Exeter doesn’t just cover long-term illnesses for the times when your clients are too ill to work. We cover any illness or injury that stops your clients from working. Viruses can [...]
Scottish Widows: CPD Course – Residence nil-rate band for protection advisers
In this Chartered Insurance Institute (CII) accredited CPD course, we look at the features and benefits of the Inheritance Tax (IHT) Residence Nil- Rate Band (NRB). The course considers the interactions between the Residence [...]
Vitality Life: How WhatsApp is transforming customer service
How WhatsApp is transforming customer service Earlier this year, Vitality became the first Life and Health insurer to introduce WhatsApp to its customer service interface. To understand how this has helped transform their customer [...]
The Exeter: A huge thank you
A huge thanks to you... ...for supporting The Exeter. On 10 October, at The Cover Excellence Awards 2019, we were thrilled to win the Best Individual Life Insurance Award. The judges commented on how [...]
MetLife: University wellbeing support
New MetLife Research shows two out of three students would value protection policies offering counselling services. In September 2019, parents waved goodbye to more than 400,000 students1 as they started university. It’s an exciting [...]
Royal London: Income protection tailored to your clients needs
We've improved our Income Protection so we can offer tailored cover for NHS medical professionals and other medical professionals on the same sick pay structure. This means we can now: Pay out in line [...]
Paymentshield: Home Emergency Case Study
With the weather now starting to turn less favourable (even by British standards), a lot of us, including your clients, will soon be turning their heating on for the first time this year. Everyone [...]
Uinsure: Beat the comparison sites
Why does your advice matter? In a nutshell, without the advice of Financial experts, homeowners can be left with insurance that’s not suited to them and will cost them in the long run. General [...]
LV=: Fracture cover comes as standard
Fracture cover comes as standard with LV= Income Protection LV= believes everyone should be supported with quality financial protection that pays out when it matters, which is why they include fracture cover with their [...]
Weekly Protection Update – 18th October 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Royal London: Income [...]
Just: Changes to just for you lifetime mortgage
As previously communicated the limited period J4 pricing will be available until Thursday 10 October. As from Friday 11 October we will be reducing LTV’s on our J4 series. We will not however be [...]
LV=: Lump sum + revised rates
Please note we have reduced rates on our Lump Sum+ product. Our new rates are as shown below. App fee free (loans of £50,000 or more): LV=AER MER APR Lite 2.79% 2.75% 2.9% [...]
Aviva: Announce changes to interest rates
Interest rates have decreased or remained the same on both the Lifestyle Lump Sum Max and Lifestyle Flexible Option, on new business only. New Business All pre-sales illustrations produced on or after Tuesday 8th [...]
MetLife: Anything can happen in a day. Ensure you’re protected
At MetLife, we’re committed to helping our advisers bring the value and importance of insurance to life. To help adviser’s illustrate the benefits of MultiProtect, we have created a brand new Claims Case Study [...]
The Exeter: Encouraging men to talk about their mental health
It’s World Mental Health Day on the 10th of October and this year’s theme is suicide prevention. Through campaigns and people in the public eye sharing their stories, mental health is now part of [...]
LV=: Enhanced claims payments and value added benefits for life’s unexpected events
The critical illness cover under LV= Life and Critical Illness offers a wide range of conditions, including enhanced claim payments. These really could make a difference if your clients experience a life changing event [...]
Vitality Life: All in one
VitalityLife understand that not everyone needs the same level of cover, that’s why they offer multiple options – from children’s education to your client’s family business. There are also different options for your clients [...]
Legal & General: Maximise your GI opportunity at our CII accredited workshops
We’re excited to announce some new dates for our CII accredited workshops aimed to help you maximise your General Insurance (GI) opportunity. These workshops will provide 5 hours CPD and will cover the following [...]
CI Expert: Taking precision to the next level
It's the upgrade you've been waiting for We’re so excited to show you what we’ve been up to. If you thought CIExpert was a powerful tool before, then we’re about to blow your socks [...]
Royal London: Webinar: Take a closer look at our Diabetes Life Cover
Please join us from 2pm to 3pm on Wednesday 23 October for our next protection webinar to learn more about the features and benefits of our Diabetes Life Cover. Royal London Business Development Manager [...]
Scottish Widows: Life changing events – a costly diagnosis
We consider the implications of the MacMillan Cancer Support’s ‘Cancer – a costly diagnosis’ report for protection and the wider financial services industry. Read the key insights of the report
Weekly Protection Update – 11th October 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Royal London: Take [...]
LV= Supporting clients with a 12 month claim period
Income protection specialists, LV=, understand that all your clients are unique and have different needs. That’s why they offer a range of easy-to-understand income protection solutions, designed to help your client protect what matters [...]
April UK: Discover our range of personal accident plans
Do you have customers who play sports? Want to be able to offer them a simple and affordable accident plan that protects against injury? At April UK we’re delighted to offer two Personal Accident [...]
CI Expert: Announce major upgrade
Launched in March 2012, CIExpert was the first-ever critical illness comparison site. Today the bulk of the dedicated protection advisers’ population use it for both analysis and compliance. Alan Lakey commented: “Whilst user feedback [...]
The Exeter: We give our members access to a personal nutritionist. At no extra cost.
Eating well is easier said than done. And it can be confusing for people who face health problems such as diabetes, high blood pressure or being overweight. Our life insurance members and their immediate [...]
Scottish Widows: Help clients see the immediate benefits of protection with our client facing video
Help clients see the immediate benefits of protection with our client facing video Scottish Widows Care can help you change the way you talk to clients about protection. Care comes with every protection policy [...]
Legal & General: Renting is on the up
House prices in UK cities have outpaced earnings growth by 11 per cent, as affordability reaches its lowest level since the global financial crisis.1 This puts home ownership out of reach for a growing number of people [...]
Royal London: Take a closer look at our Diabetes Life Cover
Please join us from 2pm to 3pm on Wednesday 23 October for our next protection webinar to learn more about the features and benefits of our Diabetes Life Cover. Royal London Business Development [...]
Weekly Protection Update – 04th October 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Royal London take [...]
The Exeter: Our new physiotherapy benefit is a big hit with our members
All of our members and their immediate families have access to HealthWise; our member benefits app, providing access to a variety of wellbeing services. Our physiotherapy service, available to our income protection and health [...]
LV=: Income Protection: it’s not just about the physical issues
As an industry we’ve come to know that it’s not just physical issues that need to be considered when underwriting an Income Protection plan; openness about mental health has come on in leaps and [...]
April UK: Who’s the heaviest player at the Rugby World Cup?
Coming in at a staggering 24 stones, the Tongan frontrower Ben Tameifuna is expected to be the heaviest player at this year’s Rugby World Cup. Whilst in second place at ‘just’ 21.3 stones comes [...]
Vitality Life: Taking a unique approach to physical and mental wellbeing
Mental health affects us all, every day. That’s why Vitality’s health insurance takes a unique approach to physical and mental wellbeing. The 23 September marked the launch of our new mental health campaign with [...]
Legal & General: Final call for our heroes
There’s only a week to go before the deadline of our Hero in the Middle competition closes. If you or one of your colleagues is a hero, then let us know How to enter Tell [...]
Uinsure: It’s the final week
Third time lucky, they say. Well, this is our final week before voting closes for the Mortgage Introducer Awards on 4th October. This is a huge deal for us - please vote for us if you haven't already! [...]
Berkeley Alexander: New Risk Management Service for Intermediary Clients
We are pleased to announce the launch of a new risk management portal service for brokers and other intermediaries to offer to their business clients. The extensive service helps businesses to manage all aspects [...]
Royal London: Why choose us for protection?
At Royal London, we understand everyone’s unique. That’s why our protection proposition isn’t ‘one size fits all’. Our range of flexible cover options give your clients choice, so you can be confident you’re building [...]
Weekly Protection Update – 27th September 2019
Welcome to this week's Mortgage Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: The Exeters new [...]
LV=: Supporting clients with a 12 month claim period
Income protection specialists, LV=, understand that all your clients are unique and have different needs. That’s why they offer a range of easy-to-understand income protection solutions, designed to help your client protect what matters [...]
AIG: CPD Module – Selling life cover on value
Our CPD session is designed to help you demonstrate value when selling a protection solution. The session highlights the fact that price is just one factor in determining the correct cover choice for your [...]
Royal London: Life with type 1 diabetes
I can still remember the day the doctor told me, “you’ve got type 1 diabetes and it’ll be with you for the rest of your life”. When I turned 18 I expected the months [...]
Vitality Life: Roll out modular plan provisions
VitalityLife have started rolling out their modular plan provisions for all VitalityLife and VitalityLife Essentials plans. The modular plan provisions will be personalised and provide content that is relevant to your client’s plan. This new [...]
Aviva: We’ve made improvements to our online journey
We've listened to your feedback, drawn on our expertise and taken action. September sees the launch of new functionality throughout the online quote, apply and tracking journey. We're speeding things up and putting you in [...]
Scottish Widows: CPD Course – Trusts for protection advisers
Scottish Widows CPD course: Trusts for protection advisers In this 45 minute CII accredited CPD course, we look at the different types of trusts used with protection policies. Click here for more information. [...]
Weekly Protection Update – 20th September 2019
Welcome to this week's Mortgage Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: TSB make improvements [...]
More 2 Life: A historic period for the later life sector
A historic period for retirement planning The later life lending sector has never been as diverse as it is today. New products are frequently entering the market, and current products are being developed to [...]
Golden Charter: Is it time to talk to your clients about ‘you-know-what’?
Talking about death and funerals can be... well... um... er... a little awkward. But, as a trusted financial adviser, you appreciate that sometimes talking about awkward things now can have significant benefits for your [...]
Just: Flexible cashback reduces LTV to get lower interest rate
Case study: Anika Bansal’s story Anika, 60, lives near Hull and wants a smaller property closer to the coast, without moving too far from her family. She’s keen on an apartment in Bridlington and [...]
Buckinghamshire: New mortgage retirement product
Call us today to discuss your cases. Our flexible approach and manual underwriting means we will listen carefully and make a decision based on each individual circumstances. For older borrowers who are in retirement we [...]
Pure Retirement: The important role of advisers
While the later life market continues to show growth, it’s important we don’t underestimate the important role that advisers can have in the wider process, as having a market that offers a wealth of [...]
Hodge: Launches the UKs first fixed for life RIO
For the first time ever, customers can secure their retirement against rate rises – for life. In uncertain times, security is key for customer finances. That’s why Hodge has created the Fixed-for-Life RIO – [...]
Later life planning Update – September 2019
Welcome to this month's lending into retirement Update. Please take the time to read through the update as there may be some information that is important to you. Included in this month's update: Hodge [...]
Berkeley Alexander: The true value of GI
General Insurance (GI) – Its not worth it – Well I beg to differ! Over the 15 years or so that I have worked in the mortgage / IFA market promoting GI; as BDM, [...]
Royal London: CPD Webinar – Discover more about diabetes
Please join us from 12pm to 1pm on Tuesday 24 September for our next protection webinar where you'll learn more about diabetes and how to have better protection conversations with those clients who have [...]
April UK: Helping you build your business
Build your business and increase your retention income with APRIL UK Imagine waking up one day and finding that you don’t have to write a single piece of new business to cover your costs. [...]
Scottish Widows – Improving access to insurance
Recent changes to our diabetes underwriting philosophy means that more of your clients living with diabetes can now get insurance. The changes to the rules are: Removal of the £250k minimum sum assured Reduced [...]
Best Insurance: Reaches over 1,000 positive reviews
Best Insurance has reached an important milestone, with over 1,000 positive reviews on Reviews.co.uk. As the UK’s leaders in income protection insurance, we pride ourselves on providing outstanding customer service, and this is the result of [...]
LV= – Insuring your client’s most valuable asset
Many of your clients might consider their most valuable asset to be their house, car, maybe their pension savings or the prospect of an inheritance. But like most, they’ll overlook the obvious – themselves [...]
Vitality Life: The benefits of business protection
Many businesses are forced to cease trading after the death or critical illness of a key person. VitalityLife’s Director of Legal Sally Burrowes explains how business protection can help safeguard a firm’s future in [...]
Weekly Protection Update – 13th September 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: The Exeter: Five [...]
The Exeter: Adding value to your protection conversations
We understand how challenging it can be for you to overcome your clients’ perception of protection insurance. For far too long, income protection, in particular, has been an afterthought placed in the ‘too difficult’ [...]
L&G: New materials and webinars
We have some really good new material which could be used in campaigns or added to your website. Take a look at the links below: ASU video A short educational look at how ASU [...]
Metlife: Helping you look after clients with active lifestyles
Staying fit and healthy means being active. Whether your clients play football on the weekend or heads to the gym after a hard day’s work, it’s important they protect themselves against accidents and injuries [...]
Vitality Life: Improving mental health in the industry
The protection industry recognises that more needs to be done to support individuals that live with mental health problems, according to Deepak Jobanputra, the deputy chief executive at Vitality. On a recent FTAdviser Podcast, Deepak [...]
British Friendly: Give your clients the ultimate peace of mind against illness or injury
Suffering from an illness or injury can be a traumatic experience for your clients and we pride ourselves on providing the very best support to our claimants. This year, we’ve decided to launch our [...]
LV=: Income Protection, there to help you reach more clients
To help you recommend income protection to more clients, LV= have included a range of benefits, available as standard and at no added cost, to give them more out of their policy on a [...]
PaymentShield: UK General joins landlords insurance panel
By entering your client's details just once you'll now receive up to 5 quotes for Paymentshield’s 5 Star Defaqto rated Landlords Insurance. UK General further strengthens Paymentshield’s landlords panel, which also includes AXA, Geo, Legal & General [...]
Royal London: Why mortgage clients need to consider income protection
When you hear the words ‘mortgage protection’ what do you instinctively think of? You’re probably thinking about life cover or critical illness cover? Or perhaps decreasing term assurance? These are all great ideas and [...]
Uinsure: Ewan’s monthly round up
August has been another fantastic month for Uinsure as we announced that LV=Broker have joined our panel of market-leading insurers! This exciting news means we now quote for six bedroom properties and can provide cover of up [...]
Scottish Widows: Family finances & retirement hopes can be shattered by dementia
In World Alzheimer’s Month, Johnny Timpson talks about the devastating impact dementia can have on your clients’ family finances and their hopes for retirement. Read now
Weekly Protection Update – 06th September 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: L&G release new [...]
Weekly Protection Update –30th August 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: The Exeter share [...]
The Right Mortgage & Protection Network: updated protection rates
We are delighted to share that we have reviewed our protection commission rates on both The Right Protection Panel & Select Panel and I am pleased to share some of the notable increases with you [...]
Royal London: Why some claims get rejected and what you can do to help
Every year insurance providers release their claims paid statistics for the previous year. But outside of our industry, this isn’t really seen as news. There’s a preference in the consumer press for stories about unpaid [...]
Legal & General: “He’s my middle man hero” says client
We're celebrating the intermediary heroes that go above and beyond for their clients. Earlier this year we asked you to share your stories in our "Hero in the Middle" competition. We're proud to introduce you [...]
Best Insurance: ASU Jargon Buster
Best Insurance policy documentation and our website contain certain words and phrases which have special meanings. It can be simpler to understand your policy with the help of this brief jargon buster. Find [...]
The Exeter: Income protection isn’t just for long-term illnesses. We cover flu and chickenpox too!
Income protection from The Exeter doesn’t just cover long-term illnesses for the times when your clients are too ill to work. We cover any illness or injury that stops your clients from working. Viruses can [...]
Royal London: Five year income protection now available on all portals
In April we launched our five year payment option for Income Protection, in addition to our existing options of one year, two years and full term. This full range of payment options, including the new [...]
Aviva: Improve your IP conversations with our CPD webinars
You’ve helped your customer buy their home, now help them keep it with Income Protection. Who needs income protection? Watch our series of webinars here to earn some valuable CPD points and learn how [...]
Cirencester Friendly: Employment rate for women at record high
Last week the Office for National Statistics (ONS) released figures showing that the employment rate for woman was the highest on record at 72.11%. However, Fidelity International reported that a third of woman2, would not [...]
Best Insurance: We’ve made some exciting changes
Best Insurance has updated and launched it's latest platform which is fully mobile compatible. The brand-new platform, designed for customers and brokers looking to purchase income protection insurance in a quick and efficient manner. Using the [...]
The Exeter: Helping the 4.8 million self-employed protect their income
There are 4.8 million self-employed people in the UK, accounting for 15% of the working population1. Many self-employed people enjoy the flexibility that comes with being their own boss. However, missing out on the [...]
Golden Charter: There is a certain certainty to funeral plans
As a wise person once said, there are only two certainties in life – death and taxes. And if you’re planning on dying at some point in the future, you’ll need a funeral plan. Okay, [...]
LV=: Income Protection that works when your client can’t, or even when they can
LV= know that sometimes it can be hard to translate the value of Income Protection to your clients. That’s why they include a range of value-added features at no extra cost, supporting your clients [...]
AIG: Solutions for Inheritance Tax liabilities
As the nation’s wealth grows, so do the Government’s Inheritance Tax receipts. With this trend comes an increasing need for effective IHT planning so we have launched new solutions to help with inheritance tax [...]
Scottish Widows: Upcoming protection dates that matter
Upcoming protection dates that matter Help inform your client conversations with a handy calendar of notable protection dates. Find out more
Berkeley Alexander: 17 home insurance products
Now is the time for GI With a slightly subdued housing market now is the time for mortgage brokers to ensure they sell home insurance to make up their lost income, general insurance firms [...]
Weekly Protection Update – 23rd August 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Best Insurance have [...]
April UK – DWP Announcement clears the way for advisers to promote mortgage protection
Last year the Department of Work and Pensions (DWP) confirmed that income from an insurance policy specifically to cover mortgage payments will not be counted when assessing entitlement to means-tested benefits. What does this mean [...]
Join our webinar to discover how our income protection works
Please join us from 10am to 11am on Wednesday 28 August for our next webinar on income protection. How our income protection works Want to know more about deferred periods and payment options? What about fracture cover [...]
Aviva Broker Portal What’s coming up?
View your Solutions renewal offers in Broker Portal today! Since our initial launch of Broker Portal, we have been busy developing our exciting Solutions renewal quoting feature, which will be available for you to [...]
Add to your CPD learning and prepare for change
Watch our CII accredited Masterclass to learn more about the Insurance Distribution Directive (IDD) and how to prepare for the Senior Managers & Certification Regime (SM&CR). Find video here In this recorded Masterclass, [...]
RedArc’s new mental health department
Available through our Friendly Voice service, RedArc has established a mental health department which is available to both new and existing Members. The new department will include 6 specialist mental health nurses with experience in [...]
Aviva – The cover that goes to work when your clients’ can’t!
What would happen to your client's mortgage payments if they were unable to work due to illness or injury? Help protect your clients from uncertainty by introducing them to income protection, the cover that goes [...]
LV= Personal Sick Pay: designed to protect income for those working in riskier occupations
LV= Personal Sick Pay is our specialist income protection aimed at clients in riskier jobs who can be more expensive to insure, such as tradespeople, nurses, electricians and construction workers. You can also recommend [...]
Support for Expat clients
How the Marsden can provide for your expat clients We're experts in all things expat... We've been providing expert support to your expat clients for over 8 years. Here's our promise: Individual underwriting We [...]
Protecting you and your loved ones
Best Insurance are one of the UK’s leading and most respected niche protection insurance specialists, we are unique in our sector as we not only design, distribute and manage our own product ranges, we [...]
Signature Free Online Trusts
VitalityLife launches signature-free online trust solution for advisers Last month VitalityLife launched a new online solution that makes it quicker and easier for advisers to place protection plans in trust. The online process eliminates [...]
Weekly Protection Update – 16th August 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Join Royal London's [...]
AIG: Helping your clients leave a gift for their families
Over fifties insurance has become more popular in recent years as funeral costs are continuing to rise1 and people don’t want their families to have to take on the financial burden. They may also be thinking about [...]
Chorley Building Society: Working with The Right Mortgage Network to support older borrowers
Chorley Building Society understands that lifestyles have changed long with the financial needs of borrowers. The Society recognises that the older borrower market continues to grow year on year, and in order to meet [...]
LV=: Giving you the confidence you need when selecting the right provider for their clients
With the growing popularity of Equity Release and the constant market changes, more and more advisers see lifetime mortgages as part of a holistic financial planning process to help their clients in later life. [...]
Later life planning Update – August 2019
Welcome to this month's lending into retirement Update. Please take the time to read through the update as there may be some information that is important to you. Included in this month's update: Canada [...]
Vitality Life: Dementia and FrailCare Cover
Although people are living longer, they’re not necessarily living healthier – one in three people born today will develop some form of dementia in their lifetime1. To help deal with these challenges, last year, [...]
Cirencester Friendly: Discover how much your clients could save with member rewards
Whether it’s a meal out with friends, weekly grocery shop, or renewing car insurance, Member Rewards has a deal that could save your clients money. Simply fill in how much they spend monthly or [...]
Uinsure: LV= broker joins panel
Uinsure is delighted to announce that LV= Broker has joined its panel! The addition of the UK's most trusted and recommended insurer builds upon the strength and quality of Uinsure's panel, providing first class service and [...]
Berkeley Alexander: Making a difference
Back in November 2018 when Berkeley Alexander were added to your GI proposition, it was with a view to widening the range of insurance products that you could offer to your clients. Whilst we [...]
Scottish Widows: A discussion on diversity and the roll we all play
The importance of diversity across the protection industry is discussed by Gill Sephton, Head of Protection Distribution and Amanda Kerr, Head of Protection Proposition. Read now
LV=: Income Protection update
LV= understand that all your clients are unique and have different needs. That’s why they offer a range of easy-to-understand income protection solutions, designed to help your client and their family should they become [...]
Vitality Life: The Power of the Plan Account with Serious Illness Cover
Today more people are living longer and surviving illnesses such as cancer, heart attacks and strokes. Every year the number of people surviving cancer is increasing, and over the last 40 years the cancer [...]
LV=: Supporting clients with a 12 month claim period
Income protection specialists, LV=, understand that all your clients are unique and have different needs. That’s why they offer a range of easy-to-understand income protection solutions, designed to help your client protect what matters [...]
The Exeter: Chronic illness linked with financial distress
Anti-debt charity findings New research published by StepChange, the anti-debt charity, revealed that four million people have been ill with a chronic condition in the UK over the last two years1. 59% of these [...]
Aviva: Extra care cover webinar
You may know about the quality and value our critical illness cover provides -but did you know by adding Extra Care Cover to your client’s policy, you could provide them with an additional £50,000 [...]
Scottish Widows: The assurance of insurance
In his blog, Johnny Timpson debunks some of the most common myths your clients may have about protection, helping you reinforce the ‘Assurance of Insurance’. Read now
April UK – New mortgage protection plan now available
We're delighted to inform you that our Mortgage Protector Plan is now available to all The Right Mortgage members… It helps your clients maintain their mortgage repayments if they can’t work due to accident [...]
Cirencester Friendly: Find potential clients
Did you know in the UK there are: 22,284 Carpenters & Joiners;1 47,115 Plumbers;2 61,720 Builders;3 40,619 Electricians.4 How many of these are potential clients for you? With more people in work there is [...]
L&G: Critical illness update
At Legal & General, we’re always listening to feedback from our advisers, and making sure our products are right for you and your clients. We’ve broadened our Critical Illness offering, simplifying our list of [...]
Aegon: Introducing policy plus
Aegon’s protection policies provide more than financial security - they can also help bring peace of mind when it's needed most. Policy Plus, Aegon’s range of value-added services, is available to all its protection [...]
Best Insurance: Explain the importance of ASU to your clients in 60 seconds
Explain the importance of ASU to your clients in 60 seconds!! - video you can share with your clients.
Weekly Protection Update – 02nd August 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: April announce new [...]
Best Insurance: Make the right choice for your clients with carefully designed policies
At a Glance. Make the right choice for your clients with carefully designed policies, underwritten by Lloyds. Take a look at our pricing options here.
Royal London: A support service tailored to your clients’ needs
Helping Hand is the support service your clients automatically get access to with all advised Royal London protection plans - at no extra cost. We helped over 1,000 customers and their families through difficult [...]
Metlife: Anything can happen in a day. Ensure you’re protected
When you have MultiProtect, the simple and affordable cover from MetLife, you can feel confident to live the life you love. Should the unexpected happen, and life tries to throw you off track, we [...]
The Exeter: Wins award at the protection review awards
The Exeter was thrilled to win the ‘Doing it Better’ award at this year’s Protection Review awards. This was a new award to recognise the company that's getting it right, not only with their [...]
Aviva: Extra care cover webinar
Life isn't always a straight road. Help prepare your clients for a challenging journey with Extra Care Cover. You may know about the quality and value our critical illness cover provides -but did you [...]
Scottish Widows: SM&CR the shift from responsibility to accountability
Don’t delay your preparations for the SM&CR in December. Johnny Timpson explains why senior managers need to address their new accountabilities sooner rather than later. Read now
Cirencester Friendly: Employment levels are at a record high
Last week the Office for National Statistics released that employment levels are at a record high with 3.7m1 more people in work than in 2010. Take advantage of the growing workforce and increase your [...]
Vitality Life: Should your serious illness claim payout be based on the impact that illness has on your life?
With VitalityLife, our Serious Illness Cover pays out based on the severity of your client’s condition. This means that your client could receive a payout at an early stage of their illness, even if [...]
Weekly Protection Update – 26th July 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Join Aviva for [...]
Guardian: Double award-winning at the Protection Review Awards 2019
We’re absolutely thrilled to win 2 awards at the recent Protection Reviews Awards. The judges praised us for bringing innovation to the market and striving to make real change. We brought home the Innovation [...]
Vitality Life: How to build a Vitality plan
At Vitality we believe the needs of the customer should come first, and that’s why we allow you the opportunity to build your clients a tailored plan. There are 5 steps to building a [...]
Best Insurance: What’s all the fuss about
Personal accident insurance made simple Prevent financial distress with our 24 hour global protection plan, designed to cover you and your loved ones against accidental injury or death. Why use Best Accident Insurance? Underwritten [...]
Aegon: Living and dying with the lifetime allowance
There’s still time to register for next week’s webinar and earn 40 minutes of CPD time. On Tuesday 23 July Martin Haggart, our Technical Pensions Manager, and Elaine Cruickshank, our Tax and Trusts Manager, [...]
Cirencester Friendly: Discover how much your clients could save with Member Rewards
Whether it’s a meal out with friends, weekly grocery shop, or renewing car insurance, Member Rewards has a deal that could save your clients money. Simply fill in how much they spend monthly or [...]
Royal London: Register for our next webinar
Register for our next protection webinar - Why mortgage clients need income protection Please join us from 12:30 - 1:30pm on Thursday 25 July for our next webinar on income protection. When protecting a [...]
Metlife: Join our webinars throughout September
We are pleased to introduce the following webinars throughout September. Book your places now before they fill up. Introduction to MultiProtect webinar on 11th September at 10am hosted by Andy Peters - join here [...]
The Exeter: Making protection more accessible
There are 15 million people in England living with a long-term health condition and NHS England expects this figure will increase over the next ten years[1]. A long-term health condition is defined as a [...]
Weekly Protection Update – 19th July 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: The Exeter share [...]
Golden Charter: With a funeral plan, your clients don’t need to leave anything to chance
At the risk of stating the obvious, we’re all going to die someday. It’s not exactly a cheery thought. But, if you don’t help your clients to make provision for their funeral costs, you [...]
Pure Retirement: New improvements to our Heritage range
Great new changes available now New Superlite LTV tier Market leading rates across all 4 LTV tiers Minimum age of 55 for single and joint applicants Simplified options for cashback and fee combinations MER [...]
Later life planning Update – July 2019
Welcome to this month's lending into retirement Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: New [...]
Best Insurance: Further your knowledge about accident, sickness and unemployment protection
This is a very helpful guide to those who are looking to further their knowledge about accident, sickness and unemployment protection. Click here to view the definitive guide for selecting accurate ASU policies for your [...]
Cirencester Friendly: Read how our Friendly Voice service helps our Members
Our free and confidential service provides tailored advice, practical and emotional support for your clients and their spouse when experiencing difficult times. Julia went to her GP with a mole on her face and [...]
Scottish Widows: Acting in customers best interests
The Insurance Distribution Directive requires advisers to act in the best interests of customers. This article reflects on how the protection advice process needs to change emphasis in order to deliver on this requirement. [...]
L&G: Are you missing out on the income protection market?
Are you missing out on the income protection market? With the self-employed market booming, it’s estimated that 15% people are now working for themselves. The more people are inclined to work on a self-employed basis, [...]
The Exeter: Essential cover for the self employed
Are the self-employed at risk? The self-employed workforce makes up 15% of the UK labour market, yet 82% of this group of workers do not have income protection in place. [1] This is particularly [...]
Vitality: Why is the need for mortgage protection not well known?
Watch the latest CeMap TV panel debate covering the Mortgage Protection Market, and hear the expert opinions of Andy Philo, Vitality's Director of Strategic Partnerships and Employed Distribution. Discussed during the show are key [...]
Aegon: Living and dying with the lifetime allowance
Join our webinar on Tuesday 23 July to hear Martin Haggart, our Technical Pensions Manager, and Elaine Cruickshank, our Tax and Trusts Manager, discuss the various opportunities to consider with the lifetime allowance, including: [...]
Vitality Life: Eight out of 10 mortgage holders have no income protection
Many homeowners in Britain are under-prepared in the event of long-term sickness, accident or ill health - with 81% of Britain’s who have a mortgage having no income protection in place1. To help you [...]
Royal London: What to do when someone dies
We created a step-by-step guide to help your clients through what they need to do when someone dies.
Best Insurance: 7 Golden rules for selecting the right ASU policy for your customers
We have released a document that explains the things you must check before choosing your ASU policy. To download the PDF click here. These golden rules will assist you to evaluate whether you are [...]
The Exeter: Income protection update
The number of people opting to go self-employed has been steadily growing every year since 2001. In fact, 4.8 million people in the UK are self-employed. That’s 15% of the UK workforce.[1] But it’s [...]
Scottish Widows: Add to your CPD learning and prepare for change
Watch our CII accredited Masterclass to learn more about the Insurance Distribution Directive (IDD) and how to prepare for the Senior Managers & Certification Regime (SM&CR). Watch now In this recorded Masterclass, our Industry [...]
Uinsure: Here’s Ewan’s round-up for June
What a month June has been! There's only one place to start... our new, lightning quick system that gives Advisors the time to advise. Last month saw us launch our new Home Insurance quotation system, [...]
Cirencester Friendly: Prepare your clients for the unexpected
As much as we wish we all were, we aren’t invincible and sadly accidents do happen. From just walking down the street and falling over to a car crash, these things do happen, and [...]
Weekly Protection Update – 5th July 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: The Exeter release [...]
April UK: Do your customers play sports,
but worry about how accidents and injury could cost them financially or leave them unable to work? Our Sport Accident Plan provides a wide range of cash benefits in the event of accident and injury [...]
Uinsure: Don’t forget about your pending policies
July's a matter of days away... how is it already nearly July?!No Images? Click here We're coming up to the end of June - don't forget about your pending policies! Hi, We wanted to send you [...]
L&G: Pre-sale underwriting support
If you have a client with a medical condition and you're not sure whether they can be covered by our protection policies, our Medical Underwriting Technical Advice Line (MUTAL) can help. MUTAL can advise whether [...]
Cirencester Friendly: The Elephant in the Room
Don’t forget to join Paul Shepherd for our ‘The Elephant in the Room’ Webinar. This webinar will cover the following: Objection handling The need for income protection My Earnings Protected National statistics Extra Membership benefits [...]
The Exeter: Going it alone, facing the challenges of self-employment
The number of people opting to go self-employed has been steadily growing every year since 2001. In fact, 15% of the UK workforce is now self-employed. [1] That’s approximately 4.8 million people in the UK [...]
Vitality: Has your life insurance changed your life?
Hear how Vitality helped Chris, aged 27 transform his lifestyle for the better. From takeaways, being overweight and drinking too much, to understanding his health through a Vitality health check and making life changing differences. [...]
Royal London: An online service tailored to your needs
Everyone’s different At Royal London, we know you need a service that fits around your business model. That’s why we’re continuously developing and improving our online application process so it can be adapted to work [...]
Berkeley Alexander: Are you specifying the right items?
According to research from Protect Your Bubble, loved-up Brits are spending an average £1,483 on engagement rings, up by 89% over the previous year. The old-fashioned tradition of spending three month’s salary seems to have [...]
DMS: Mortgage affordability disappears immediately income is interrupted
DMS’ Income Protection Calculator very simply shows how much income protection your Client needs, how soon they need the first payment, and for how long. Go to www.dms4stir.co.uk/advisers/cover-needs/ State Benefits are ignored in the calculation [...]
Paymentshield: Work smarter for GI
Open me to find out more... WE'VE GOT THE ANSWERS TO HELP YOU WORK SMARTER To help you always ask your clients about GI, we've donned our thinking caps to bring you our [...]
Best Insurance: £12 Million Claims Paid to over 1,200 policyholders
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Vitality: Over £81 million in benefits and rewards given to Vitality members
VitalityLife’s positively different approach to life insurance allows them to protect members when they suffer a life changing event and reward them when they engage with their health. This ensures members experience value from their [...]
Weekly Protection Update – 28th June 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Over £81 million [...]
Weekly Protection Update – 21st June 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Uinsure enable you [...]
Later life planning Update – June 2019
Welcome to this month's lending into retirement Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Canada [...]
Just: Helping your clients realise their untapped wealth
Your client’s home is more than just bricks and mortar. It houses a wealth of memories. So why would they necessarily sell their property when they can release some of the equity tied up in [...]
Canada Life: £0 completion fee, for a limited time only
We’re pleased to confirm that, following fantastic feedback from the market, we’re extending the completion fee waiver on all Capital Select Options. The completion fee will continue to be reduced to £0 on all Capital [...]
Pure Retirement: Empowering Your Clients
Heritage Product Launch Pure Retirement are excited to announce our new Heritage Range which offers ERC-free partial repayments to the whole-of-market for the first time. We have responded to the diverse needs and priorities of [...]
LV=: Giving financial advisers the confidence they need when selecting the right provider for their clients
Chris Smyth – Business Development Manager, LV= Equity Release With the growing popularity of Equity Release and the constant market changes, more and more advisers see lifetime mortgages as part of a [...]
More2Life: Extra support for advisers is more important than ever…
Have you ever spent a lot of time helping a client, finding them the most seemingly perfect financial solution for their needs, and creating a KFI, only for it all to stumble over a [...]
Golden Charter: With a funeral plan, your clients don’t need to leave anything to chance.
At the risk of stating the obvious, we’re all going to die someday. It’s not exactly a cheery thought. But, if you don’t help your clients to make provision for their funeral costs, [...]
Royal London: gift inter vivos policy
What is a gift inter vivos policy and when should it be used? Roughly translated inter vivos means ‘between the living’. In the financial world a gift inter vivos policy relates to an insurance policy [...]
Vitality Life: A unique cover option for your clients
To help you change the conversation with your clients, VitalityLife have created a video explaining the benefits of their Dementia and FrailCare Cover with Serious Illness Cover. Watch the video now! Why your clients [...]
Royal London: Maintenance to be carried out
We need to carry out some maintenance to our Protection On Line Service website on Sat 8 June from 7am through to Sun 9 June 10pm. Saturday night and Sunday are reserved as contingency [...]
Scottish Widows: Putting protection into context
When explaining the value of financial protection to clients, it helps if they can see the bigger picture. Give your clients the information they need with our Protection Facts. Download now [...]
L&G: Going further
To support you and your clients we have recently updated our Income Protection Benefit plan now improved pricing and updates, including expanding overall allowable benefit limits and additional income guarantee, so you can deliver [...]
Cirencester Friendly: Income protection webinar – overcoming objections
Lets address the elephant in the room Join Paul Shepherd our Key Account Manager, to help overcome objections you may be faced with, when speaking about the ‘elephant in the room’, income protection. He [...]
The Exeter: A real life story to bring the need for income protection to life
A real story to bring the need for income protection to life Alex’s story We are dedicated to changing the face of insurance for the better. We’ve just released a real-life claim story about [...]
Weekly Protection Update – 7th June 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Legal & General [...]
LV: Helping you to support small businesses with gold-rated Business Protection
While SMEs make up 99% of the UK business landscape, many overlook the need to protect their business and the people within them. We want to help you reach more small businesses, so we've [...]
Zurich: The benefits of a Whole of Life policy
The benefits of a Whole of Life policy Anyone who has seen the latest IHT statistics would know the importance of inheritance tax planning. With IHT tax receipts expected to rise to £5.4bn by [...]
Legal and General: Agrees sale of general insurance business to Allianz
This morning we announced the intended sale of the general insurance (GI) business to the Allianz UK Group (Allianz), subject to regulatory approval. GI will become part of Allianz and the business will then [...]
MetLife: Come meet the team
Come meet the team at the TRM National Training Event on Thursday 6th June! Visit the MetLife stand and meet: Bonnie Earl - Key Account Manager Troy Donne - Account [...]
The Exeter: Feel better faster with HealthWise
HealthWise is The Exeter’s revolutionary new member benefits service, designed to help our members feel better faster. As an adviser, it provides you with the reassurance that when recommending The Exeter, your clients will [...]
Weekly Protection Update – 31st May 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Come and meet [...]
Santander: Simplifying existing home mover applications
We pay a procuration fee on the full loan amount whether your client is porting an existing product or choosing a new product. Some exclusions may apply. To make it easier for you and your client, [...]
Cirencester Friendly: Why choose us?
Going above and beyond for you with clear contracts… Guaranteed Premiums - Our Members can enjoy the security, giving them peace of mind from the outset. Day 1 Cover - Unless Members decide otherwise, [...]
Royal London: Giving you and your clients more choice
Tailored Income protection with our new payment option Losing an income due to an illness or injury is one of the biggest risks your clients will face. Having a flexible approach to income protection [...]
Vitality: Thoughts on the mortgage market
What would your thoughts be on the following questions on the mortgage market? How the mortgage market has developed in 2019 How the mortgage protection market stands today When mortgage advisers should hand over [...]
Legal & General: General Insurance webinar dates
To help you get the most out of our products and systems, we've developed a great series of pre-recorded and live webinars. These will provide you with all the information you will need about [...]
The Exeter: Feel better faster
Beat the wait with GP on demand We live in a demanding world. In the last few years alone, technology has driven huge changes to the way we live our lives, and our expectation [...]
Scottish Widows: Our commitment to a clear and supportive claims service
Our commitment to a clear and supportive claims service As part of our commitment to provide a clear and supportive service to protection claimants, we have signed up to the Protection Distributors Group Claims [...]
AIG: Simple underwriting – more accessible than you think
Underwriting has changed in recent times and there are now many different routes available to suit your clients. Read our latest blog where Underwriting and Claims Strategy Manager, Helen Croft, discusses how simple underwriting can [...]
Cirencester Friendly: Is your client prepared
Life can be unfair, unpredictable and full of surprises. Help prepare your clients’ for when the unexpected happens by adding on My Extra Benefits to their income protection contract. My Extra Benefits comprises of [...]
Weekly Protection Update – 24th May 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Royal London give [...]
British Friendly: Confidence in recommending British Friendly Income Protection
At British Friendly, we appreciate there are lots of providers with Income Protection solutions. We are grateful for your support, and for you trusting us with your clients. Providing excellent service for your clients [...]
LV=: Critical Illness includes children’s cover at no extra cost
We know that the most important thing in client lives are their children and no one wants to imagine their child becoming ill, especially critically ill. But it can happen and it is vital [...]
Zurich: Life is unpredictable and can change in an instant
Life is unpredictable and can change in an instant. Glenn, a father of two and co-owner of his family’s bakery, experienced this recently when he was diagnosed with cancer. Thankfully, Glenn had taken out [...]
Cirencester Friendly: More than just a financial pay out
Going above and beyond for your clients. It’s Mental Health Awareness Week, so we wanted to remind you what support we have available to your clients. With all our income protection contracts, we offer [...]
Scottish Widows: Let’s talk about mental health and financial protection
Johnny Timpson suggests some practical steps the industry can take to help those living with a mental health condition access insurance. Find out more
Paymentshield: Now you can see even more detail around your Paymentshield policies
To give you more information and transparency around your individual GI performance, your unique Adviser Hub dashboard now provides even more information about your GI business. You can now see a breakdown of the [...]
The Exeter: Get back to health with physiotherapy
At The Exeter, we do more than look after our members when their health lets them down, we help them stay in good health in the first place. That’s why we’ve just launched HealthWise, [...]
Royal London: Our change could help make the income protection sale easier
Our new 5-year term for income protection could make the product more desirable for some clients. Find out more.
Weekly Protection Update – 17th May 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Legal & General [...]
Golden Charter: Talking about funeral planning doesn’t need to be all doom and gloom
Raising the subject of death and funerals in a client meeting can seem like a bit of a ‘downer’. But, in reality, it’s no more difficult than bringing up the topic of life cover. [...]
MetLife: MultiProtect
With MultiProtect, should the unexpected happen, it’s our goal to help clients keep going and take care of their families. MultiProtect is: Simple: Cover is non-underwritten meaning we won’t ask any health questions. Easy: [...]
Legal and General: Improvements to our income protection benefit plan
I am pleased to announce that the improvements to our Income Protection Benefit plan were successfully deployed last weekend. Summary/Key points L&G continue to improve our IPB plan and remain focused on delivering changes [...]
Marsden: They’ve found a place… but can you?
Get your younger borrowers onto the property ladder with a Joint Borrower Sole Proprietor (JBSP) mortgage. Newly launched, it gives up to two applicants with lower incomes the opportunity to combine resources with up [...]
Marsden: We’ve refreshed our products
We've made some changes to our Older Borrower, Retirement Interest Only, Expat Residential and Expat Buy to Let products. Find out more about what's changed for you and your clients below: Older Borrowers NEW 2, 3 & 5 year products 2.89% fixed [...]
LV=: Helping you help your clients to stay in good health
Knowing what really matters to clients and how to support them as a financial adviser is a big challenge. As providers we have a significant role to play in helping advisers help their clients [...]
Just: Plugging the interest only gap
The number of new interest-only mortgages sold has fallen steadily in recent years following a change in lenders’ criteria. However, there is a still a high proportion of these mortgages due to mature every [...]
Canada Life: Unlock more property wealth flexibly
New addition to Canada Life’s Capital Select range lets over 60s unlock more property wealth flexibly Canada Life Home Finance has today launched Capital Select Platinum Plus, offering homeowners aged 60+ the chance to [...]
Later life planning Update – May 2019
Welcome to this month's lending into retirement Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Unlock [...]
Royal London: Essential Maintenance being carried out
We need to carry out some essential maintenance to our Protection On Line Service website on Sunday 12th and 19th May from 3pm to 6pm. You will be unable to produce quotes etc. during [...]
Best Insurance: Accidents happen. Ensure that your clients are protected
Accidents Happen! Ensure that your clients are protected More accidents happen at home than anywhere else. Every year there are approximately 6,000 deaths caused by accidents at home, and another 18.5 million visit A&E [...]
Scottish Widows: The people behind the numbers
Supporting customers through a claim at a time that can be traumatic is a priority for us at Scottish Widows. I wanted to take the recent release of our claims stats as an opportunity [...]
The Exeter: Manage stress with mental health support from HealthWise
Manage mental health with HealthWise As Bob Hoskins said in an old advert, ‘it’s good to talk’. This statement has never been more true, with 1 in 4 adults now suffering from mental health [...]
Cirencester Friendly: Could your client live off Statutory Sick Pay?
The average weekly income in the UK is £454.922 after Tax and National Insurance, yet Statutory Sick Pay (SSP) is just £94.251 per week. This could leave an ‘income gap’ of £360.67 per week [...]
Weekly Protection Update – 10th May 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Cirencester Friendly: Could [...]
The Exeter: A free and fun way to get healthier
May is National Walking month – encouraging people to dust off those trainers and incorporate a little walk into each day. 40% of adults say that being tired after work stops them from being [...]
Scottish Widows: Tackling protection misconceptions
We know misconceptions around financial protection can make client conversations more complicated. Use our Mythbuster to help you handle the most common client objections. Download now
Guardian: Changes to fracture plus protection
Fracture Plus Protection is an optional extra to help ease the financial burden for people who suffer an injury while going about their daily lives. Some people are much higher risk than others, so [...]
Royal London: We’ve launched a new 5 year payment option
Tailoring income protection to your client's needs As pioneers of the menu approach to protection we know it’s important to offer cover you can tailor to a client’s individual needs. It’s why we now [...]
LV: Supporting small businesses with our gold-rated Business Protection package
With sole traders or proprietors accounting for 59% of the business population, small businesses represent the backbone of the UK economy. We're committed to giving advisers all they need to protect small businesses, through [...]
Vitality Life: Offer your clients an Amazon Echo Dot for £0, plus an Amazon Smart Plug
You can now offer your clients an Amazon Echo Dot for £0, plus an Amazon Smart Plug when they join Vitality From 22 April to 30 June 2019 inclusive we are offering all new [...]
AIG: Bowel Cancer: Let’s talk about ‘embarrassing symptoms’
It might surprise you to know that bowel cancer is the second biggest cancer killer in the UK1 and accounted for 3% of AIG Life’s critical illness claims last year2. To mark Bowel Cancer Awareness [...]
Weekly Protection Update – 03rd May 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Guardian announce changes [...]
Aviva: Never lose sight of what matters
With online tracking for you, and MyAviva for your clients, we're putting the power in your hands. See exactly what we see with real-time updates on your cases, whenever you want. From medical evidence [...]
Golden Charter: Launching Golden Charter Rewards
Could saving on a holiday help your clients warm to the idea of funeral planning? We all know preparing for later life with a funeral plan makes great financial sense. The thing is, no [...]
Legal & General: Improvements to our Intermediary Product range
Objective and action required To inform you of the improvements we will be making to our Intermediary Product range (Life/FPIP/IPB/RLP) plans sold through the intermediary channel only, effective from 12th May 2019. Summary/Key points [...]
The Exeter: On your feet Britain
April 26th is “On your feet Britain” day, a high-profile campaign motivating people across Britain to reduce sitting and convert it to standing time, simply by getting to their feet. With the current obesity [...]
Guardian: When the wheel of life lands on terminal illness
It’s notoriously difficult for doctors to predict survival rates for people with stage 4 cancer, so many are reluctant to do so. But terminal illness cover will typically only pay out if someone is [...]
Royal London: We’ve launched a new 5 year payment option on all our IP plans
Losing an income due to an illness or injury is one of the biggest risks your clients will face. Having a flexible approach to income protection could help you provide the right cover at [...]
Scottish Widows: The support your client can expect from us
The support your client can expect from us With one of the largest claims teams in the UK and a dedicated claims assessor for each claimant, your clients can count on us when they [...]
Vitality Life: The need and cost of care in the UK
The protection market is generally focused on providing protection up until the point of retirement, yet the average life expectancy in the UK is 79 years increasing to 83 years for women1. Not only [...]
Cirencester Friendly: To us financial advisers are names not numbers
Behind our personal approach is our key message “names, not numbers’’, which is how we approach all our relationships. Working with Cirencester Friendly means getting to know your dedicated adviser support team, who will [...]
Weekly Protection Update – 26th April 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Royal London launch [...]
Aviva: Announce changes in equity release interest rates
We have changed interest rates on the below. The charge will either decrease or remain the same on: New Business Additional Borrowing Reserve Release Please find further details here.
Canada Life: Introducing our Equity Release Lead Generation Workshops
We're thrilled to introduce our upcoming series of Equity Release Lead Generation Workshops, which have been designed with experienced equity release advisers in mind. Do you want to grow your equity release business? With [...]
Just: Reduction to the minimum loan size on our interest servicing option
We will be making a change to our interest service option on our Just For You Lifetime Mortgage. For those customers who choose to service some or all of the monthly interest amount, we [...]
Later life planning Update – April 2019
Welcome to this week's Mortgage Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Platform relaunch mainstream [...]
Cirencester Friendly: Effective marketing to help grow your income protection business
At Cirencester Friendly, we provide various resources to help you market your income protection business. Our comprehensive Sales Tools & Literature Page, includes a range of documents with all the information you need, to [...]
Legal and General: Don’t miss out. Watch our webinars today.
Don’t forget we are still offering our pre-recorded webinars on Income Protection Benefit and Critical Illness Cover. The webinars offer the following. CIC- covers CIC and CIC Extra in greater detail, with a few [...]
Scottish Widows: The difference protection could make to your clients
Clients can find it difficult to see how claims statistics relate to their life. Show them the difference our protection made to the people behind the numbers. Find out more
British Friendly: Learn how a Health MOT can benefit your clients
Watch our new video and learn how a Health MOT can benefit your clients Watch our new case study video here and learn from another adviser, Kathryn, how Health MOTs give your clients extra [...]
The Exeter: Feel better faster with HealthWise
HealthWise is The Exeter’s revolutionary new member benefits service, designed to help our members feel better faster. As an adviser, it provides you with the reassurance that when recommending The Exeter, your clients will [...]
Weekly Protection Update – 18th April 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Feel better faster [...]
British Friendly: How we’ve improved our Quote and Apply system
We’re always looking to improve our online quote and apply journey to make it easier for you to arrange cover for your clients. Based on feedback we’ve received, we’ve made a number of new [...]
Scottish Widows: Seeing life behind the numbers
See how you can make your protection conversations more powerful with the real-life stories behind our 2018 claims statistics. Find out more
Aviva: Unveils wide-range enhancements to its protection platform
Following adviser feedback, Aviva has introduced a number of enhancements to it’s Protection Platform (ALPS), to give The Right Mortgage Network advisers and your clients more flexibility, speed and control when generating quotes and [...]
Vitality Life: Top of the tools
VitalityLife have developed a wide range of tools designed to make doing business with them even easier whilst supporting your sales conversation with clients. Knowing what your clients might face in the future [...]
L&G: Avoid unnecessary hold ups with your clients’ trusts
When your client’s family suffers a loss, the last thing they need are delays in the payment of proceeds from your client’s life insurance policy. What’s left behind can be a lifeline for loved [...]
Royal London: Affordability calculator
Affordability calculator Our calculator can help you to understand your clients’ regular financial commitments. Try the calculator here.
Cirencester Friendly: How many Self-Employed workers do you think there are in the UK?
Did you know in the UK there are 4,844,155[1] Self-Employed workers? Financial fears can cause concern when you’re your own boss, especially if you haven’t got a safety net to fall back on if [...]
Weekly Protection Update – 12th April 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Aviva unveils wide-range [...]
The Exeter: Small steps to reduce big risks
April 5th is national walk to work day. A simple message to encourage people to walk to work to help their health and wellbeing. A small change like this can have a big impact, [...]
AIG: Protection considerations at the end of tax year
As the end of the tax year approaches, many advisers will be thinking about maximising clients’ investment contributions and tax reliefs, but don’t forget about financial protection. Read our blog to see the Wealth [...]
LV=: Protecting your clients’ health with enhanced LV= doctor services
We’ve taken the time to understand what matters most to your clients and how we can best support them beyond their policy, which is why we’ve added Remote Psychological Services, at no added cost, [...]
Aegon: Explore our new flexible business protection application options
We’ve been busy making some improvements to our business protection offering. With our new streamlined online application process, there’s more opportunities for you to receive an immediate online decision – so you can get [...]
Legal and General: Improvements to our Income Protection Benefit plan
We will be making to our Income Protection Benefit (IPB) plan sold through all applicable channels, effective from 12th May 2019. Summary/Key points L&G continue to improve our IPB plan and remain focused on [...]
Cirencester Friendly: Why not share our informative fact sheet with your clients today?
Why not share our informative fact sheet with your clients today? At Cirencester Friendly, giving our Members peace of mind is all that matters. With over 125 years’ experience – and plenty of awards [...]
Scottish Widows: Protection dates that matter in 2019
Help inform your client conversations with a handy calendar of notable protection dates. Find out more
Guardian: When the Wheel of Life expands your clients’ family…
The average age of a first-time mother in the UK has risen to almost 29[1], with 47% of women now not having children by the age of 30[2]. Why is this relevant for the [...]
Aviva: Never stand still
Here at Aviva, we’ve made improvements across the protection quote journey to provide the flexibility and ease you’ve asked for. Across our full range of personal protection products, we’ve enhanced the quote process so [...]
Weekly Protection Update – 05th April 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: LV= are protecting [...]
LV=: Important update
These proposals will give us the foundations to build on our strong heritage and brand so we can create an even better mutual for the future, and where being a member has more meaningful benefits. [...]
L&G: SmartQuote
The Home Insurance tool you've been waiting for Our SmartQuote tool is redefining Home Insurance expectations for you and your customers. Bold, smart and simple, with SmartQuote we’re throwing out the quote and apply [...]
Canada Life: Make big changes to their critical illness proposition
In 2018 there were very few insurers that did not make changes to their critical illness proposition. So far 2019 has been relatively slow in comparison, however today sees Canada Life making their long-awaited [...]
Aegon: Explore our new flexible business protection application options
We’ve been busy making some improvements to our business protection offering. With our new streamlined online application process, there’s more opportunities for you to receive an immediate online decision – so you can get [...]
Scottish Widows: Focusing on the things that matter
Focusing on the things that Matter Gary Burchett, Protection Director, talks about what we’re doing to help make the protection journey as simple and efficient as possible for you and your clients. Read now [...]
Aviva: Our biggest ALPS upgrade to date
We're excited to share with you the largest and most significant upgrade to our ALPS system since we launched it four years ago. Through listening and acting on your feedback, our new quote edit [...]
Weekly Protection Update – 29th March 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Legal & General's [...]
Scottish Widows: Techtalk, protection special
Get the latest technical support in Scottish Widows Protection special edition of Techtalk here. Other news: Mortgage Protection breakthrough: new welfare disregards Mortgage benefit reform and the need for a Plan B Underwriting – [...]
Royal London: There’s always time to learn something new
A CPD hub to help you meet your development needs We want to help you meet the challenges of the new Insurance Distribution Directive (IDD) requirements. That’s why we’ve launched a new online CPD hub [...]
L&G: Price beater
We can’t always be the most competitive in the market but when you’ve got high sum assured protection cases we'll beat the standard premium offered by a competitor on a like-for-like product. All you [...]
Canada Life: Make big changes to critical illness proposition
We're delighted to announce that we've enhanced our Individual Protection products. Our products have been upgraded to include: More conditions - over 30 illnesses added to our critical illness policies New advance payments for patients [...]
Cirencester Friendly: My Earnings Protected, a safe way to insure your clients’ earnings
Here are a few key features which makes My Earnings Protected a Defaqto 5 star rated product. No loadings for occupation, smoking or hazardous pursuits Guaranteed Premiums with a choice of Level or Annual [...]
Vitality Life insurance: Dispelling three of the most common insurance myths
First time buyers make up 81% of purchases on the Help to Buy Government Scheme1 – but how many purchase mortgage protection? VitalityLife have looked into dispelling three of the most common insurance myths. [...]
Aegon: Make sure you’re ready for launch
On Monday 25 March, we’re launching a series of exciting business protection improvements, including: a new streamlined online application process; product upgrades; underwriting improvements, and adding new resources to our business protection toolkit. Make [...]
Weekly Protection Update – 22nd March 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Canada Life make [...]
Aviva: Redefine retirement
Retirement planning is no longer a binary decision between drawdown and annuities. Instead, many of your clients may require a ‘blended’ retirement income solution made up of several different products – including equity release. [...]
More2Life: Capital Choice rates are decreasing
The new rates are below: From 4.35% (MER) 4.44% (AER) on CC plans; From 4.65% (MER) 4.75%(AER) on CC Plus plans; 4.65% (MER) 4.75% (AER) on CC Drawdown plans; 4.80% (MER) 4.91% (AER) on CC Plus Drawdown [...]
Just: Responsible lending webinar
Register now for our webinar: Responsible lending – three ways to lower the cost of borrowingJoin us in our 45 minute webinar at 10am on 26th March: Responsible lending – three ways to lower the [...]
Pure Retirement: Digital Marketing Toolkit
It’s been heartening to see our marketing toolkit resonate so well with advisers and continue to provide a useful resource for those aiming to make the most of the market. On the back of [...]
Buckinghamshire Building Society: Solutions for Older borrowers
In 2020 - 11.98m people will have reached state retirement age and currently 75% of the UK’s housing wealth is held by people aged over 50… We understand that more business is coming from [...]
One Family: Super LTV Product Launch
Super LTV Lump Sum Interest Roll-up with Voluntary Payment option Lifetime Mortgage At a glance - What is it? The Super LTV Lifetime Mortgage is designed to support customers who are looking to release [...]
Later Life Planning Update – March 2019
Welcome to our latest update dedicated to the topic of later life planning. Please take the time to read through the update as there may be some information that is important to you. This [...]
The Exeter: Unique benefits built on experience
Nutrition is one of the keys to a healthy life; a balanced diet can prevent future health problems like diabetes, cancers, stroke and heart disease, all of which are closely linked with obesity. But [...]
One Family: Discover our Serious Illness Benefit with Over 50s Life Cover
Our Serious Illness Benefit could give your customers a financial boost when they need it most It's been a while since we have communicated with yourselves. So, we thought it might be worth reminding [...]
Vitality Life: A Mortgage Plan with Serious Illness Protector
VitalityLife’s Mortgage Plan with Serious Illness Protector covers your clients for 145 conditions, paying out in full for 77 conditions1. That’s more than any other provider! Creating peace of mind for your clients in [...]
Aegon: Reassure your clients during difficult times
Having financial protection in place is the first step to easing the day-to-day pressure of maintaining daily finances, should your client or their partner become seriously ill. However there’s more to consider than financial [...]
Guardian: When the Wheel of Life lands on a heart attack
Nobody can predict if or when a heart attack might strike. But what’s most important to know is that if it does happen, the protection your client bought is going to pay out when [...]
AIG: Mental health and insurance: it’s time to talk
In recent years there has been a seismic shift in the understanding and awareness of mental health issues. Read our latest blog from Underwriting and Claims Strategy Manager Helen Croft, who discusses the recent [...]
Paymentshield: Download our latest customer guide
Moving house can be a stressful time, so to help you help your clients Paymentshield have put together an ultimate guide to moving home. Providing a week by week countdown to the big day [...]
Royal London: The importance of protecting a property portfolio
Landlords - like any other business owner - need to make provision should the very worst happen, to protect their families and their lifestyle. I have worked in financial services for over 25 years, [...]
Scottish Widows: Further enhancements to your New Business Dashboard
Your New Business Dashboard now gives you the ability to do even more online. Take a look at our short film to find out what you can do. Watch now New features Access individual [...]
Weekly Protection Update – 15th March 2019
Welcome to this week's Mortgage Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: One Family - [...]
Crystal Specialist Finance: Finance Broker Seminar
Crystal Specialist Finance host a new Seminar at the Jaguar Visitor Centre - Castle Bromwich on the 10th April 2019 in which mortgage brokers will have the chance to grow their knowledge of many [...]
Aviva: Relevant Life – the difference is still significant
Like other relevant life insurance products, ours provides a tax efficient death-in-service benefit for business owners and key employees. Our cover offers employee significant illness cover – a unique option which pays out if an [...]
Royal London: We’ve improved our critical illness definitions
Technology is constantly evolving – so we’ve updated our CI definitions to keep up with the times. This evolution is happening in everyday life - for example I can’t imagine my life without having an [...]
Scottish Widows: New protection special edition
For more than 17 years, TechTalk has been helping advisers to forecast, interpret and benefit from change within the industry. TechTalk brings you unbiased insight, news and expert commentary as well as case studies and [...]
Vitality Life: Dual deferred period calculator
Dual Deferred Period Calculator VitalityLife have announced the launch of their new tool, the Dual Deferred Period Calculator for Income Protection. How the calculator works: Enter your clients’ annual income Select the type [...]
The Right Will: Do you discuss probate with your clients?
Recent figures show that less than 10% of life policies are put into trust, and this is most likely because either: Advisers don’t have enough time or; Advisers don’t understand it properly Which category do [...]
Uinsure: We have a festival of changes for you
We're going to start this email with a massive (and we mean massive) thank you. You'd think that with February being a shorter month, business might be a bit slower and things would just tick [...]
Cirencester Friendly: Financially prepare your clients for the unexpected
Check out the new Health and safety at work - Summary statistics for Great Britain 2018. Here are just a few of the figures that shocked us! 30.7m* working days were lost due to work [...]
The Exeter: Feel better faster with HealthWise
This week, we are introducing our new HealthWise app, a revolutionary new member benefits service, designed to help our members feel better, faster. We know first-hand how important good health is, so we've partnered with [...]
Zurich: Extra support
Following the launch of the Life Protection Platform, there has been increased interest in our protection products. With this in mind, we have created a Support page that can help you with your initial queries. [...]
Weekly Protection Update – 08th March 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Aviva launch business protection [...]
British Friendly: How we support your clients all the way through their recovery
At British Friendly, we’ll always be there to support your clients financially if illness or injury ever leaves them unable to work. Take Neil for example. Neil is self-employed and owns a Bathroom Fitting Company [...]
Uinsure: Introducing our supporting acts
As part of our festival of changes, it's time to announce our "Supporting Acts" Firstly, I hope you're well and have had a chance to check out the launch video for our 'festival of changes'. We're [...]
Cirencester Friendly: Your feedback counts
Providing you with excellent service is very important to us. Therefore, to ensure we are doing the best for you, your thoughts and feedback about your experience is vital. Please can you take a few [...]
Golden Charter: Peace of mind, without compromise
With something as important as funeral arrangements, it’s vital to know exactly what your client's are buying and what their plan includes. With some funeral plans, what looks like a good deal may come at [...]
The Exeter: Can we predict the future?
Accidents and illnesses happen, and when we least expect it – which is why it’s so important to have the right protection in place. At The Exeter, we’re here to provide reassurance and crucial financial [...]
AIG: We’ve paid out more claims than ever before
Making a claim can be a big deal. That’s why our people are here for you and your customers every step of the way. We paid out £92 million in protection claims last year, 25% more [...]
Royal London: Promote the value of your advice
When it comes to talking to your clients about protection, we know you can typically run into some obstacles along the way. One of the common objections you might come up against is that your [...]
Vitality Life: Introducing Vitality’s new Dual Deferred Period Calculator for Income Protection
Employer’s sick pay schemes will not always meet the needs of your clients’ lifestyle. This is where income protection can help bridge that gap. VitalityLife’s Short-Term, Primary and Comprehensive Income Protection plans have been designed [...]
Weekly Protection Update – 01st March 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: British Friendly support your [...]
Legal and General: General insurance webinar dates
To help you get the most out of our products and systems, we've developed a great series of pre-recorded and live webinars. These will provide you with all the information you will need about our [...]
The Exeter: You don’t need a risky job to be at risk.
Accidents happen and illness can occur at any time, whether you’re at work or home. What if the job itself made your client too ill to work? Illness and injury can happen in the workplace [...]
Shepherds Friendly: Business Development Team goes from strength to strength
Shepherds Friendly Society are pleased to announce the addition of two new members, Charlotte Fowler and Kate Whelan to their expanding Business Development team and the promotion of Laura Hassall to her new role as [...]
Scottish Widows: Get the latest technical support
Get the latest technical support in our recent edition of Techtalk here.
Cirencester Friendly: Medical Queries? Talk to our Underwriting Team
Do you have a client who has an unusual occupation or a complex medical history? Speak directly with our Underwriters to get the answers you need before completing the application. During office hours you [...]
LV=: New rate reductions
Please note we have reduced rates on our Lump Sum+ product. New rates are below: LV=AER MER APR Lite 3.70% 3.64% 3.9% 3.73% 3.67% 4.0% 3.76% 3.70% 4.0% 3.79% 3.73% 4.0% 3.82% 3.75% 4.0% [...]
Just: LTV changes and increase to our J5 interest rate
We've increased the LTV’s on our J2, J3 and J4 as follows: Customer age (based on youngest customer) J2 J3 J4 Single Life Joint Life Single Life Joint Life Single Life Joint [...]
Pure Retirement: Changes to our Max range
Rate and LTV Changes Please note that these changes will take effect from Friday 22nd February. MER AER Max Plus DD1 Age 60–71: 5.97% Age 60–71: 6.14% Age 72+: 5.69% Age 72+: 5.84% [...]
L&G Mortgage Club: Attract new clients with our promotional tools
With our new Income Lifetime Mortgage TV campaign now live, we’ve created a range of tools and white label materials to help you attract new clients - See our new marketing templates Many people tell [...]
LV=: Extended and improved lifetime mortgage underwriting criteria
Equity release is no longer seen as an option of last resort, which only a handful of advisers consider for their clients, but now forms part of holistic financial advice. Due to the increasing levels [...]
Later Life Planning Update – February 2019
Welcome to our latest update dedicated to the topic of later life planning. Please take the time to read through the update as there may be some information that is important to you. This month's [...]
Vitality Life: Mortgage Plan Protects More Than Just Lives
We know how stressful and time-consuming buying a house can be - solicitors, mortgage, packing, moving and the rest. But when drawing up your list of essentials, remember to add what could be the most [...]
Guardian: Future-proofing protection
The dynamics of life have changed significantly in the last 20 years. Individuals’ lives no longer step sensibly along the traditional timeline in which babies come after house purchases and marriages last forever. And quite [...]
The Exeter: Quality and affordability for all, without compromise
Ill health doesn’t discriminate by occupation, age or income Whether a lawyer, teacher or carpenter, the everyday lifestyle choices made by your clients have a direct influence on both their current and future health. In [...]
British Friendly: How we’re improving the added services we offer to your clients this year
At British Friendly we offer Mutual Benefits, a discretionary loyalty programme packed full of useful benefits to help your clients save money, access private healthcare services and even create Wills and Powers of Attorney at [...]
Scottish Widows: National heart month
It’s a big month for the heart, so an ideal time to revisit our article on heart disease and why a heart surgeon created critical illness cover. Read more
Cirencester Friendly: Let us, help you recommend income protection
As a Friendly Society we are there for our Members, therefore, we want to help you, help them! We have a variety of tools to help recommend the importance of Income Protection to your clients. [...]
Uinsure: We’ve made some improvements to our system and products
We’ve just launched improvements to our system and products. Watch the below video to find out more.
Weekly Protection Update – 15th February 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: British Friendly are improving [...]
Scottish Widows – Taking on your client’s future together
Scottish Widows – Taking on your clients’ future together Whatever the future brings for your clients and your business, we’re here to help take it on together. Find out more
Cirencester Friendly: Sometimes all you need is a Friendly Voice
We know that apart from financial concerns, illness and incapacity can also bring emotional worries for your clients and their families. That is why we offer our ‘Friendly Voice’ service. A free and confidential service provided by [...]
Berkeley Alexander: That bespoke touch
When your insurance enquiry requires that bespoke touch, perhaps it’s the nature of the cover, the location of the risk or a client’s claims history. Whatever the reason, sometimes it just won’t work when you [...]
The Exeter: We understand that life can change in an instant
Winter brings darker evenings, less sunshine and perhaps less opportunity to go for a simple walk. These things can be contributors to happiness and keeping healthy, and your clients rely on good health to be [...]
Vitality Life: Only bricks and mortality?
Did you know that in 2016-2017 the average monthly mortgage repayment was £671?1 But what would happen to your client’s mortgage repayments if they were unable to work due to illness or accident? VitlaityLife’s new [...]
Aviva: We’re there when it counts
From expert medical opinions to overseas treatment, global treatment offers your clients access to the care their family deserves. As soon as they have received a diagnosis, a call to Best Doctors will start the [...]
Weekly Protection Update – 08th February 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Aviva, there when it [...]
Berkeley Alexander: HENRY heads to the country
As recently as 2016, London was the fastest-growing English region, but its population growth rate has halved in the space of a year, driven mainly by people up to the age of 40 with young [...]
Canada Life: All you need to know about DGTs
Webinar Discounted gift trusts Wednesday 6 February: 11:00am - 11.45am With benefits including a reduction in IHT as well as providing a tax efficient income stream, our webinar on Discounted Gift Trusts is a [...]
Royal London: A CPD hub to help you meet your development needs
A CPD hub to help you meet your development needs We want to help you meet the challenges of the new Insurance Distribution Directive (IDD) requirements. That’s why we’ve launched a new online CPD hub [...]
Aviva: Enhancing critical illness cover
At Aviva, we're dedicated to helping you provide your clients with cover that protects them when they need it most. Sometimes that means highlighting the protection needs they might not have thought about themselves. We [...]
AIG Life: Meet the dynamic duo changing critical illness
As much as we’d all love to sell both Critical Illness (CI) and Income Protection (IP) to our customers, affordability means that it isn’t always that easy. So we’ve come up with a unique solution [...]
Vitality Life: Only bricks and mortality?
The mortgage protection market often focuses on solutions which only protect clients in the event of death. VitalityLife are addressing the need for comprehensive mortgage protection, with their new Mortgage Plan. A bespoke mortgage product [...]
Scottish Widows: Building on 2018 market events – a look ahead to 2019
What are the issues and opportunities facing protection in 2019? Johnny Timpson gives his thoughts in his latest blog. Read now
Cirencester Friendly: Beat the blues with income protection
With Christmas behind us, dark days and the weather turning cold, it’s all starting to feel a bit blue. Here’s 5 ways to help your clients beat those blues… Help ease their financial worries and [...]
Weekly Protection Update – 01st February 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Aviva are enhancing critical [...]
Cirencester Friendly: We paid 95.2% of claims in 2018
We are pleased to announce that in 2018 we paid 95.2% of claims, which totalled almost £4.8 million in benefit. Sadly, some claims were rejected for the following reasons; inability to either provide proof of [...]
Aviva: Register now for Income Protection Webinars
We have designed our latest Webinars around selling Income Protection which is the product that your clients are least likely to have and yet are most likely to claim on. Our Webinars will help you [...]
Legal & General: Are you a hero?
Legal & General are celebrating the people that deliver great financial protection* by introducing our Hero in the Middle competition**. Intermediaries make a real difference to people’s lives – going further to help clients get [...]
Source: Whisk your loved one away with £500 to spend at Thomas Cook
With Christmas now a distant memory, thoughts turn to the next event in the calendar, Valentine’s Day; a day where we show our appreciation for our significant other. Our latest giveaway, GI plays Cupid, will [...]
Aegon: Launches business protection tool kit
Say hello to our new, easy-to-use business protection toolkit - providing all the support and information you need, at your fingertips, to understand, discuss and write business protection. We'll be adding new support marterial, topical [...]
Vitality: A simple yet comprehensive mortgage plan for your clients
Buying a house can be stressful – dealing with solicitors, mortgage, packing, moving and the rest. Buying protection shouldn’t be – that’s why we’ve introduced our new Mortgage Plan, providing simple yet comprehensive mortgage protection. [...]
Royal London: Tools and support to help you stay in front
Protection take-up in the UK is very low. Our research shows that just 35% of people have life insurance, 12% have critical illness cover and 9% have income protection.* And yet many people recognise it would be beneficial to have [...]
The Exeter: Making protection accessible to all
Making protection accessible to all The number of people living with serious or multiple health conditions is increasing. Most people know someone who has been affected by a sudden disease or injury that [...]
Weekly Protection Update – 25th January 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Register for Aviva's income [...]
Paymentshield: How to get more from your GI conversations
The importance of asking questions is something none of us should ignore; it's the simplest, most effective way of learning and innovating. Which is why Paymentshield want to help you ‘always ask’ To help you [...]
Cirencester Friendly: A safe way to insure your clients’ earnings
This comprehensive product gives your clients a range of features, such as a wider choice of deferred periods, an increased maximum benefit level of £52,000 p.a., guaranteed insurability options for lifestyle events, improved relapse benefit, [...]
Scottish Widows: TECHTALK – Mortgage protection breakthrough: new welfare disregards
Timely payment of protection death claims can be achieved via modern claims processes, joint life first death or life of another policies. Trusts are the traditional solution – but need to be used correctly. We [...]
The Exeter: Life cover for hard to insure clients
Life cover for hard to insure clients – a time to revisit your clients needs You know how important it is for your clients to have adequate life cover in place to protect their [...]
Unisure: Claim stats for the escape of water
We have collated our claim stats for the escape of water into an easy to use infographic. To download the infographic please click on the button below. Download the infographic here
Weekly Protection Update – 18th January 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Cirencester Friendly, a safeway [...]
Pure Retirement: January newsletter
The later life lending sector went through some major landmarks in 2018 which highlighted the progress the industry has made and the opportunities that currently exist for advisers as a result. In the second half [...]
AIG: Helping you introduce the Guaranteed Over Fifties Plan to your clients
Our Guaranteed Over Fifties Life Plan was designed to provide peace of mind. Helping customers to cover the cost of their funeral, leave a small legacy for their loved ones and provide a safety net [...]
Marsden: Lending solutions for Paula and Barry
Paula (62) and Barry (68) have a mortgage on their property of £150,000 which has come to the end of its term. Their property is worth £250,000 so they're looking to extend the term on [...]
Buckingham Building Society: Options for Later Life Lending
Having been one of the first lenders to remove our maximum age limit, we have been lending into and in retirement since 2010. During that time the later life lending market has changed significantly. The [...]
Golden Charter: Don’t take our word for it
Adding an additional product to your portfolio can offer a great opportunity to get in touch with your clients and for you to strengthen your offering. Becoming a Golden Charter intermediary allows you to help [...]
More 2 Life: Get the right help in the fastest time possible
To help you with your equity release business and when you have a query that you need resolving, contacting the right people helps us, help you quicker. Who to call... Your dedicated Broker Support [...]
Later Life Planning Update – January 2019
Welcome to our latest update dedicated to the topic of later life planning. Please take the time to read through the update as there may be some information that is important to you. This month's [...]
Berkeley Alexander: Commercial fire risks
In Autumn 2018 a large fire hit the headlines with the demise of the Littlewoods Pools building in Liverpool. Although thankfully no lives were lost, it was a stark reminder of the risks of commercial [...]
Scottish Widows: CPD course – Business protection
Find out how life and critical illness cover can meet your clients’ business protection needs in our business protection CPD course. Find out more
Royal London: Essential maintenance being carried out
We plan to keep you informed of the dates and times when our online services will be unavailable. We have a couple of dates already scheduled for January plus advance notice of the planned maintenance [...]
Cirencester Friendly: The faces behind the decisions
When it comes to a personal dedicated approach to Underwriting, Cirencester Friendly’s Underwriting Department are one of the best, with over 75 years of experience between them. In an era where we’ve seen a big [...]
The Exeter: Statistics show an increased necessity for life cover
The number of people living with serious or multiple health conditions is increasing. Most people know someone who has been affected by a sudden disease or injury that changes everything – with conditions such as [...]
Vitality Life: Launch a new fully protected mortgage plan
The mortgage protection market often focuses on solutions which only protect clients in the event of death. However, over the term of a typical mortgage, clients are more than twice as likely to suffer from [...]
Weekly Protection Update – 11th January 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Vitality launch a new [...]
AIG: An afternoon with bereaved children and an All Blacks legend
'Bereaved children and a rugby-playing legend is an unusual pairing, and not one I expected to experience when I started at AIG Life six months ago.' Our latest blog sees Caroline Topps, Marketing Manager for [...]
Cirencester Friendly: Are your clients financially prepared for 2019
“Two in five don’t think Statutory Sick Pay is enough to live on.” * Ask your clients, would they survive on Statutory Sick Pay of £92.05 a week if they could not work due to [...]
Royal London: Give your protection sales a boost
Our marketing studio can help you convert even more sales The marketing studio gives you a range of materials, full of powerful arguments to help boost your business by providing you with content to [...]
Weekly Protection Update – 04th January 2019
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Cirencester Friendly ask if [...]
Aviva: Open the door to better equity release conversations
Watch our free CPD-accredited video for 14 top tips As you know, a lifetime mortgage can truly transform a customer’s life. But helping clients to understand that – and finding them in the first place [...]
Family BS: Enhances terms for inter generation mortgages
Family Building Society has enhanced their lending criteria to allow up to two owner occupiers for all Joint Mortgage Sole Owner (JMSO) applications. JMSO enables additional borrowers (such as parents) to join in a mortgage [...]
Just: Equity Release Academy
Just Equity Release Academy 2 – Business Development - 05th-21st June 2018 The place for equity release in later life planning. The lifetime mortgage market is growing and set to reach around £6.6bn by 2021. [...]
L&G Home Finance: Reduced interest rates
We have REDUCED the interest rates on the following products: Premier Flexible Flexible and Optional Payment (with and without 2% cashback option) Flexible Plus and Optional Payment (with and without 2% cashback option) The interest [...]
More 2 Life: Have you heard about our formidable four?
Have you heard about our formidable four features to help protect your clients no matter what events may occur during their lifetime, ie: Fixed ERCs – simple and clear to understand, and give certainty. 3 [...]
Post Office Money: Offering retirement products
Post Office Money is now available. You don’t need ER1 as it’s a mortgage The aim is for Post Office to offer the more traditional mortgages, with BOI being more specialist. You’ll see from below [...]
Chorley: Enter 95% market
We are pleased to announce that we have entered the 95% market. Our new products are available to: New, first time buyers Home movers or remortgage customers for mortgages secured against their main residential property. [...]
Aldermore: Later Life Lending mortgage range
Aldermore have made quite a name for them-selves in the specialist mortgage world - and now they’re extending their offering to later-life mortgages. Their new range for borrowers aged 55 and over features multiple product [...]
The Exeter: You don’t need a risky job to be at risk
Accidents happen and illness can occur at any time, whether you’re at work or home. What if the job itself made your client too ill to work? Illness and injury can happen in the workplace [...]
Scottish Widows: Nine in ten Brits in danger of financial hardship
New research from Scottish Widows shows nine in ten Brits in danger of financial hardship should serious illness strike. We’re more likely to insure our mobile phones than our health – 12% of UK adults [...]
AIG: Protecting your tomorrow – Insurance for cancer survivors
The number of people being diagnosed with cancer is rising - but so is the number of people surviving it. There are a growing pool of people who’ve survived and are living normal, healthy lives. [...]
Cirencester Friendly: Success at COVER Customer Care Awards 2018
We are delighted to announce that in this year’s COVER Customer Care Awards, our very own Victoria Clark, Marketing Assistant was awarded ‘Young Insurance Person of the Year’ and Jo Green in the Customer Care [...]
Vitality: Serious Illness cover booster
VITALITY’S SERIOUS ILLNESS COVER BOOSTER: DELIVERING THE PERFECT MORTGAGE PROTECTION SOLUTION TO YOUR CLIENTS Vitality’s Serious Illness Cover takes a unique severity-based approach, which means that it pays out amounts aligned to the impact [...]
LV=: Fracture cover comes as standard with LV= Income Protection
LV= believes everyone should be supported with quality financial protection that pays out when it matters, which is why they include fracture cover with their Income Protection at no extra cost. Fracture cover automatically included [...]
Royal London: There’s something for everyone
At Royal London, our wide range of products offers something for everyone. Personal Menu plan – Put together a protection plan that suits you clients’ needs and budgets perfectly. Business Menu Plan – We want [...]
Life Quote: Changes to our login process
You may have already seen from our recent GDPR updates but we’re going to be making some changes to our login/password system for LifeQuote access. This will affect the LifeQuote Portal, Case Tracking and our [...]
Later Life Planning Update – May 2018
Welcome to our latest update dedicated to the topic of later life planning. Please take the time to read through the update as there may be some information that is important to you. [...]
Atom Bank: Our new rates and 95% LTV mortgages are now live
We’re excited to confirm that our new 95% LTV mortgages for purchase and remortgage customers are now live. We’ve also changed the rates and end dates on our fixed-term products to help customers get a [...]
Golden Charter: It’s a certainty
Death is a certainty not a maybe…don’t forget to talk about funeral plans with clients If you look at the lifecycle of your client which products are they likely to use? A funeral plan is [...]
Golden Charter: Funeral plan benefits
There are products on the market that can be used to offer provision for funeral costs but only a funeral plan guarantees to ensure that the money will be available at the time of need, [...]
Weekly Protection Update – 20th October 2017
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: LV= launches new sourcing [...]
Weekly Protection Update – 27th October 2017
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Earn CPD points with [...]
Zurich: Meet your development managers
As you may be aware there has recently been a change in Business Account Management at Zurich for Protection and your new account managers are Wesley Stroud and Andy King. Andy has worked in Financial [...]
Vitality: Business Protection, what’s really important?
With a shortfall in the market of £1.35 trillion[1] the Business Protection gap represents a huge, untapped opportunity for advisers. Rewards in this area have the potential to be significant too, with larger premiums and [...]
Scottish Widows: Earn CPD points with our webinar
Our Industry Affairs expert, Johnny Timpson, will be hosting a live webinar to give an insight into the need for a shift from welfare to self-care. One of our Business Development Consultants will also provide [...]
Cirencester Friendly: Award winning income protection & service
Thank you to all that voted for us in the Investment Life & Pensions Moneyfacts Awards 2017! We are thrilled to have been awarded Highly Commended for both Best Income Protection Provider and Best Protection [...]
L&G: Simple completion of your clients’ trusts online
There are many reasons why your clients should consider putting their Life Insurance in trust, including protecting their loved ones from inheritance tax or helping to avoid probate. Our online Personal Trusts Hub can help [...]
LV=: A UK study of financial resilience
I'd like to share our very first LV= Income Roulette report with you. A study of people's attitudes towards debt, savings and protection in the UK. Packed full of stats, facts and insights, did [...]
AIG: Simple underwriting for people with raised blood pressure
We’re making it even easier to do business with us by simplifying the process of getting life insurance for people with raised blood pressure. You can read the article here If you have any [...]
AIG: More than paying a claim
More than paying a claim The role of every life insurer is to support our customers when they need it the most. AIG Life has a highly experienced team who really cares about helping customers [...]
Royal London: Inheritance tax
In this video Steve Webb explores some of the issues around potentially having to pay IHT before the money from the estate is available.
Cirencester Friendly: £30.42 per month income protection cover until retirement
Thomas is covered with My Earnings Insurance, are your clients? Thomas a budding builder took out My Earnings Insurance, an income protection contract with Cirencester Friendly at the age of 25. He has £1,000 a [...]
Aviva: Help protect life’s essentials
Helping cover life’s essentials, when your clients can’t. Read more We’re committed to helping you protect your customers from the uncertainty of illness or injury. That's why we’re delighted to introduce Living Costs Protection to [...]
Uinsure: The need for Elite GI advisers
There's a clear need for Elite GI advisers - here's the proof The need for Elite GI advisers Hi, I hope your October is living up to its reputation as being the busiest month for transactions! As [...]
LV=: “It’s like Apple designed a quote and apply system”
LV= Fastway is our interactive quote and apply system that's quick and easy to use. Reflexive questioning means we only ask what's needed for each client, meaning more instant decisions and helping you recommend quality cover without unnecessary [...]
The Exeter: Working women
New infographic from The Exeter – working women The make-up of the UK job market is changing with women entering the workforce in larger numbers than ever before. But while progress has been made to [...]
Golden Charter: Prepare for the future
How funeral plans from Golden Charter can enhance your client offering and help your clients prepare for the future There are products on the market that can be used to offer provision for funeral costs. [...]
Marsden: Older Borrower Mortgage Guide
Download our new versions now using the links below: We have updated our product portfolio on our website or click the button below. Download Product Portfolio [/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]
The Family Building Society: Lending to your older and retired clients
There’s no such thing as ‘normal’ clients these days. You know that and so do we. It’s why we offer mortgage solutions that work for everyone. We’re human and understand that people are [...]
Zurich: The Aging Population
[gview file="https://therightmortgage.co.uk/wp-content/uploads/2017/10/Advice-Matters-Issue-24-October-2017.pdf"] Advice Matters Advice Matters is Zurich monthly magazine designed specifically for you. It aims to inform and challenge readers, and report on topics and events of interest to [...]
Golden Charter: Mailing Opportunity
As you know, at The Right Mortgage & Protection Network we are always looking for ways to help you diversify your client offering whilst increasing your revenue. We are delighted to announce a new direct [...]
Unisure: Become “GI Elite” – here’s how to get ahead this winter
Watch our webinar on how to have a successful end to the year Last week we revealed our Become "GI Elite" campaign, which is all about helping our brokers get ready for the busy winter period.October [...]
Royal London: Have we got our protection priorities all wrong?
At Royal London, we have a tool on our adviser website that shows the relative risks of death, critical illness, or being unable to work due to incapacity. We measure these risks using the age [...]
The Exeter: Managed Life
Managed Life – a healthier way to do business The Exeter know how important trusted client relationships are – especially when it comes to considering health conditions. For clients with type 2 diabetes or who [...]
Cirencester Friendly: Tell your clients about My Earnings Insurance!
My Earnings Insurance is everything you would expect and everything you wouldn’t Tell your clients about My Earnings Insurance! Flexible, affordable and available to a wide range of occupations, it’s everything you’d expect from an [...]
MetLife: School of Money Smart Skills
Getting the right protection is just part of what it takes to be money smart. We have created a range of tips and tools to help boost your clients’ financial know-how and to celebrate the [...]
Vitality: Show clients the need to protect their income in 60 seconds
Income should be the first thing that people look to protect. But we seem to protect everything except our income; from cars to phones, to pets and even household appliances. Something often overlooked is how [...]
Scottish Widows: Flexible protection is easy
We’re delighted to introduce a new multi benefit pricing functionality to our protection proposition. From today, if you quote through portals for a client with multiple policies, a reduction will be applied automatically. As well [...]
AIG: What’s on in October
Webinar: Understanding the Start Range Tuesday 24th October 11am and 3pm Understand AIG Life’s solution to affordability issues for clients on a tight budget or low income. CLICK HERE TO SIGN UP If you have [...]
LV= Income Roulette research and IP hub
We thought you'd like to learn more about the latest instalment of our Income Roulette research, which focuses on a group who are very likely to feature in your prospective or existing clients - the [...]
Weekly Protection Update – 13th October 2017
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: • AIG look [...]
The Exeter: Peace of mind for self-employed workers
The Exeter is committed to supporting the growing number of contractors, freelancers and self-employed workers in the UK. It is estimated that 15% of the UK's labour market are now self-employed (Cover Magazine), but while [...]
Cirencester Friendly: What is the Friendly difference for you?
Personal service to make your life easier There are many reasons to choose Cirencester Friendly, from our award-winning income protection and 4 Star Defaqto rated products to the fact we have paid 94% of claims, [...]
Keystone: HomeOwner changes from 1st November 2017
We have been advised they have made one alteration that is a material change to the cover; from the 1st of November the self-employed will not be eligible to purchase a new policy and they [...]
Paymentshield: Paymentshield publish new whitepaper
Even though general insurance (GI) is instrumental in making sure a client’s property is fully protected it’s regularly overlooked. Ask yourself, is GI discussed in your office as often as it should? As an adviser, [...]
AIG: Foundations of a Buy-to-Let
In our latest blog post, our Technical Sales Manager takes a look at the new underwriting standards to be imposed on Buy-to-Let mortgages from 30th September, and what they mean for protection. You can read [...]
Aviva: Friends Life has now moved to the Aviva brand, find out what this means for you and your clients
We're now one brand In our email to you on 28 April 2017 we detailed the proposals, process and timeline to deliver a single brand. We're pleased to announce that from 1 October 2017 we [...]
Uinsure: We have relaxed our criteria
We've relaxed our subsidence criteria, all thanks to your feedback! After you told us that our subsidence eligibility question was too restrictive, we're delighted to announce that we've fixed this and have relaxed our subsidence criteria. [...]
Weekly Protection Update – 6th October 2017
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: • AIG look [...]