An Egg-cellent start to 2025 lending
Quarter one of 2025 has been a very positive start to the year. At our recent National Training Event, L&G Mortgage Club released the insight as a club they are up 13% BUT as a network we are up 30% in lending from Q1 2024! Thank you to everyone for the hard work going into supporting your customers.
There are lots of ongoing product developments coming to the market, a big focus on Green Mortgages and New Builds. Enabling our customers options to get their home greener and receive a cashback reward for doing so, Halifax are really doing a push in this space – to get to know more, please get in touch with your usual BDM.
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Anita White
Head of Lender Relationships
An Egg-stra special event: Solihull LLL Workshop
We are really looking forward to seeing you all on 7th May for our Later Life Lending Workshop in Solihull.
We are welcoming more of our holistic planning lenders to the event this year to really help with building a whole picture for your customers and knowing all options available. We will also be concluding the day with Aviva’s Economist – Hansen Lu, to give us insight into the Lifetime Mortgage future.
The tickets are very close to being sold out so if you haven’t registered, please make sure you do.
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Victoria Clark
Head of Equity Release
Income Protection: Why it’s more relevant than ever in 2025
With the cost-of-living pressures continuing into 2025, one thing has become increasingly clear: more people are just one unexpected event away from serious financial strain. In this climate, Income Protection (IP) has never been more relevant—or more necessary.
The Rise of Financial Vulnerability
Recent studies show that a growing number of households have limited emergency savings. Many people are just a few paydays away from struggling to meet essential expenses like rent, mortgage payments, utilities, and groceries. Against this backdrop, Income Protection isn’t just a ‘nice-to-have’—it’s essential financial resilience.
Shifting Attitudes Post-Pandemic
The pandemic shifted public perception of financial protection. People saw firsthand how quickly circumstances can change, and many are now more open to conversations about safeguarding their income. That makes now a perfect time for advisers to lean into these discussions.
But here’s the challenge: awareness is still low, and misconceptions remain common.
What Clients Often Don’t Know:
- IP doesn’t just cover accidents—it also protects against illness and mental health issues that stop someone from working.
- Policies can be surprisingly affordable, especially for younger clients.
- Statutory Sick Pay and employer benefits often fall short of what’s really needed to keep life on track.
A Call to Action for Advisers
This is a huge opportunity to educate and empower clients. By taking a proactive approach, advisers can help people protect what matters most—their ability to earn and provide.
Have those conversations. Ask the right questions. Show clients how IP can be the difference between stability and stress.
Want to sharpen your knowledge or confidence in selling Income Protection?
Let’s chat. There are resources, training, and support ready to help you make IP a core part of your protection conversations.
Because in today’s world, income protection isn’t just important—it’s urgent.
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Amy Wilson
Head of Insurance Products
What are the benefits of offering a Health Cash Plan alongside a Private Medical Insurance plan?
In today’s health-conscious world, individuals and businesses are continuously seeking smarter ways to protect against the rising costs of healthcare. While PMI remains a popular and effective solution for accessing specialist care and avoiding NHS waiting times, pairing it with a health cash plan can offer a more comprehensive and cost-effective approach to health care coverage.
What is a health cash plan?
A health cash plan is a type of health benefit which reimburses employees for everyday healthcare costs, such as dental health check-ups, eye tests, physiotherapy, etc. Unlike PMI which typically covers acute medical conditions and treatments, cash plans focus on routine, preventative, and maintenance care.
What are the benefits of having both?
Both plans cover different needs.
PMI is designed to cover acute medical conditions requiring diagnostics, surgery, or specialist treatments. However, all PMI policies may not offer cover for dental check-ups, eye tests, physiotherapy, or prescriptions and this is where a health cash plan could be useful.
Affordability and Accessibility.
Health cash plans are typically low cost. Members can claim regularly without needing a major illness or injury.
Encouraging Preventative Health
Regular dental check-ups, eye tests and chiropractic sessions, etc can catch health issues early. This could also reduce long-term claims on a PMI plan.
Boosts Existing Employee Wellbeing Programmes
By offering both a PMI plan and health cash plan, it demonstrates a commitment to cover both acute conditions and everyday wellbeing.
Upselling and exploring other product offerings not only enhance the value provided to your clients but also provides a great opportunity to boost your revenue.
Should you wish to know more, get in touch.
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Bipin Sandhu
PMI Supervision & Development Manager
A Strong Start to the Year – A Big Win for Advisers and Home Insurance!
As we move through the year, it’s the perfect time to take a moment to recognise the brilliant work our advisers have been doing—especially when it comes to protecting clients with home insurance.
We’re proud to share that 21% of all mortgage sales so far this year have included home insurance. That’s a fantastic result and a real testament to the care and dedication advisers are showing in making sure clients are fully protected in line with consumer duty.
Even more impressively, if we look specifically at residential mortgages, that number jumps to almost 30%. That’s nearly 1 in 3 clients choosing to protect their homes at the point of mortgage completion—exactly the kind of joined-up thinking that builds long-term trust and adds real value.
Let’s Keep the Momentum Going
If you’re not yet authorised to sell home insurance, now is the perfect time to take that next step. Not only will it allow you to offer a more complete service to your clients, but it also opens up another valuable revenue stream for your business.
Need support? Want to become authorised?
Get in touch with me directly and I’ll help you get booked onto one of our GI Induction sessions. It’s a great opportunity to learn everything you need to know and start offering home insurance confidently and compliantly.
Let’s make insurance the norm—not the exception.
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Amy Wilson
Head of General Insurance (PMI and GI)
