Their lending policy is designed for you and your clients. To see what they can offer and how they do things differently to other lenders, take a look at some of their key features. Virgin Money allow day one remortgages and the valuation will be based on the original purchase price if it’s within six [...]

We support the following government schemes: Help to Buy: equity loan London Help to Buy How to submit a Help to Buy scheme application Enter the equity loan amount into the affordability calculator which will automatically include 2% of the loan as monthly expenditure under ‘Other monthly committed expenditure’ You’ll need to enter this figure [...]

It's a huge amount of money But you can't put a price on peace of mind. When a client's diagnosed with a critical illness, the worry can be overwhelming. How will it affect their family? And their work? Will their quality of life change? Will they be able to pay the mortgage? Our critical illness [...]

No matter where someone is in their lives, our cover can change with them. Our Menu Plans offer more flexibility for your clients, and makes it even easier for you to do business with us. To help you identify and meet your clients’ needs, we’ve grouped our covers into flexible and customisable packages. Find out [...]

The benefits of playing sport for children are huge, not just in improved physical fitness and health but also in self-confidence and enjoyment. Debates around whether rugby/football and other sports in schools should be banned due to the risk of injury are often in the papers, especially around this time of year when we’re encouraging [...]

Giving your clients options Did you know that we have three critical illness products to choose from depending on your clients' needs and circumstances? Key3 YourLife Plan Critical Illness with Term Assurance CIC Start Whatever your clients need, we can help. To find out more about [...]

There’s been a big rise in the number of self-employed workers, who now account for 15% of the UK’s labour market. Surprised? Probably not. But coupled with the ongoing withdrawal of the welfare state, this sharp rise provides a golden opportunity for advisers to present income protection as a must-have product for self-employed clients. Are [...]

At Cirencester Friendly it’s all about the personal service – treating you and your client like a name, not a number. As part of this personal service, we ensure you have access to your very own dedicated Financial Adviser Support Team and can talk directly to our Underwriters. But just as important are the award [...]

I thought you’d like to know that we have recently updated our on-line underwriting rules for Scottish Widows Protect. The updates are as follows: Family history of breast cancer - We’ve lowered the age of family history from under 50 to under 40, where a rating for life and CI exclusion for breast /ovarian cancer [...]

We've designed a new, online Pre-Underwriting Tool which enables you to understand if disclosures will result in standard rates, increase the premium, lead to a policy exclusion or result in a decline or postpone outcome. The easy-to-use tool is available 24/7, gives you an accurate underwriting decision, helps you manage your client’s expectations and get their cover [...]