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 month benefit with Day 1 cover. Thomas’s monthly premium on Guaranteed Level is £30.42. After years of enjoying carrying out his building occupation, Thomas unfortunately suffered an injury at the [...]

As we're all aware, in April 2016, the lifetime allowance (LTA) reduced for the third time in four years to £1 million. As a result an increasing number of high earning clients entitled to group life cover as part of their employee benefits package could now unwittingly face a tax charge - despite holding pension [...]

Can talking to your clients about Business Protection sometimes be challenging? Perceptions can be deceiving. Many business owners lack the knowledge and awareness of the potential risks that their business could face following the death or critical illness of a key person or business owner. We’ve developed a new sales flyer, which you can use [...]

In today’s world, it’s generally speed and how quickly something can get done that counts. And the same applies when it comes to underwriting. But with referrals and requests for additional evidence, this process can take longer than you’d like. So we’ve taken a closer look at our underwriting and focused on the most commonly [...]

Can’t wait for the football in France to get underway? You’re not alone. That’s why we’re inviting all our intermediary colleagues to take part in our very own Euro score predictor competition. It’s a chance for you to pit your wits against your peers and show off your skills. It might sound like a walk [...]

Great news! On Wednesday 1 June 2016 we launched new First Time buyer exclusives. These products will be available for a limited time only so I’d encourage you to act now to secure this great rate for your clients. Full product* details are: 90% LTV 2 year fixed 2.49% with £995 booking fee 95% LTV [...]

Since the implementation of the Mortgage Credit Directive (MCD), the second charge mortgage industry has seen a flood of new sourcing systems enter the market. Last week Shawbrook, Precise Mortgages and Together all integrated with LenderGateway, while over 1,000 brokers have already used Mortgage Brain’s new second charge system, LoansBrain. Nicola Mooney, Head of Secured, [...]

At The Exeter, we’re well known in the adviser market for delivering high-quality, affordable income protection cover to your clients with manual and physical occupations. But did you know that we also offer a bespoke, targeted product for your clients with low-risk, office-based jobs?   Here are just some of the many great reasons to [...]

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, seven years running. There is also our excellent service – with dedicated Adviser support and a direct connect to an Underwriter; not to mention our range of [...]

Protect+ Helping to cushion the blow for your clients A sudden break could be hard on your client’s finances, and this is why one of the many Protect+ benefits includes our fracture cover option. It’s designed to provide financial reassurance; helping your clients concentrate on their recovery. Should your client sustain a fracture, they’ll benefit [...]