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 general insurance products and our point of sales system GI Connect.

Our short webinars are hosted by James Gittins our friendly, knowledgeable Training and Development Manager, providing you with high-impact information without it taking up too much of your time. To view our webinars, click the link below and follow the instructions.

L&G Household Insurance Webinar

This session provides you with an in depth tour of our Home Insurance product, detail about the home insurance market and how to maximise the home insurance opportunities available, as a financial service adviser.

• Friday 1^st March – 10:30am until 11am – Register here
• Friday 1^st March – 11:30am until 12pm – Register here

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 no matter your occupation, so being protected against the impact of ill health should be an important consideration.

• 3 million work-related ill health cases in 2016/17
• 5 million work-related stress, depression and anxiety cases
• 2 million working days lost due to work-related ill health and non-fatal work-place injuries in 2016/17*

Whether your client is fully office based or works on a building site, affordable, flexible income protection is available to them from The Exeter.

With the option to fix up to 75% of their benefit, and choose between age-costed and level premiums, you have flexibility to tailor our income protection products to suit your clients’ personal needs.

• Income One Plus – cover for clients who undertake low risk, mainly clerical occupations.
• Pure Protection Plus – occupation neutral cover, making it highly competitive for clients who undertake physical, more manual occupations.

Both our products also offer the following options:

• Limited Claim Periods of either 2 or 5 years per claim provide valuable protection at a lower cost
• Own occupation only

We’ve also recently extended both our income protection plans to provide cover for clients who suffer from type 2 diabetes, with no exclusions for time off work due to the diabetes itself.

Want to find out more?

Why not organise a webinar or meeting with The Exeter sales team on 0300 123 3207 or email us at sales@the-exeter.com

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*Source: hse.gov.uk

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 a Business Development Consultant.

The Society has worked closely with intermediaries over many years and these new appointments are further evidence of their commitment to expanding and enhancing the support provided to help and grow intermediary businesses as efficiently as possible.

Antony Uttley, head of distribution at Shepherds Friendly, commented:

“We’re pleased to welcome Charlotte and Kate to the Society and would like to congratulate Laura, who has been a valuable asset to the team. Their appointments to the Business Development team will contribute significantly to the number of intermediaries we work with and will help us ensure our intermediary firms gain the best from working with a mutual.”

Shepherds Friendly is a modern mutual which has been helping families with their finances since 1826. The ethos on which they have been built is to always put members at the heart of all they do, a philosophy that has been extended to their intermediary market with a firm commitment to helping build businesses today and into the future.

Their dedicated Business Development team has worked closely with intermediaries for many years enabling them to have developed a good understanding of how best to support and provide all intermediaries with a bespoke service, designed to give a distinct and clear advantage when it comes to helping grow a financial business.

Get the latest technical support in our recent edition of Techtalk here.

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 can speak to one of our Underwriters using our Online Chat Tool. Simply click through to our online chat facility that you will find on the bottom right-hand side of our website.

An easy way to receive a quick response to your medical queries!

Check the BMI loading for your client or read about our approach to specific medical conditions in our Guide to Underwriting.

Alternatively, you can call the Team on 0800 587 5098 or email underwriting@cirencester-friendly.co.uk

Download your Guide to Underwriting today!

Types of property Vida will consider:

1. HMOs: Up to 8 bedrooms with a minimum valuation of £100,000.
2. EX LOCAL AUTHORITY FLATS: Deck access allowed for blocks of up to 4 storeys at 80% LTV
3. EARLY CAPITAL RAISING ON BTL BRIDGING: Capital raising is allowed within 6 months of purchase when clearing a bridging loan.
4. FLATS ALLOWED ABOVE COMMERCIAL PREMISES: up to 75% LTV. If immediately above or next to restaurants, takeaways or launderettes, max is 60% LTV.
5. STUDIO FLATS: Where the internal floor area is greater than 30 sq.m.
6. MINIMUM PROPERTY VALUATION: £50,000 up to 70% LTV. Ex local authourity flats/maisonettes minimum £80k outside London.
7. NEW BUILD HOUSES & FLATS: Available up to 90% LTV (Residential) and 85% LTV (Buy to Let).
8. NO LIFT REQUIRED: In blocks where flat is on one of the first 4 floors
9. FREE VALUATIONS: Available on both Residential and BTL with Fee Saver range.
10. MULTI UNIT BLOCKS: Up to 5 units. Just one year’s landlord experience required.

CAPITAL RAISING: Accepted up to LTV limits for any legal purpose.

DEBT MANAGEMENT PLANS ACCEPTED: Providing they have been satisfactorily conducted.

GIFTED DEPOSITS: Accepted from close relatives, and from partners/spouses where BTL.

Final call. Make your way to our new platform…

If you’re still on our old broker platform, you’re cutting it fine.

We’ll be pulling the plug at the end of 26^th February.

We’d hate for you to miss the train, so switch platform now.

And please take all your belongings with you. After the old platform closes there’ll be no baggage reclaim. Please retrieve any client records, DIP results, KFIs and partially and fully submitted applications you’ll need.

Getting on the new platform is a speedy process. And once on board, you’ll be glad you caught the new first class service.

Don’t be left behind.

Do it today.

This is your final call…

We’ve increased selected fixed rates at 90% LTV by up to 0.10%.

2, 3 and 5 year fixed rate increases

• 2 year fixed rates at 90% LTV with a £999 and £0 fee increased by 0.10% to 1.99% and 2.39% respectively;
• 3 year fixed rates at 90% LTV with a £999 and £0 fee increased by 0.05% to 2.24% and 2.54% respectively;
• 5 year fixed rates at 90% LTV with a £999 and £0 fee increased by 0.05% to 2.39% and 2.59% respectively.

We’ve made some changes to our Residential products, including the introduction of a new 3 year fixed Affordable Housing Remortgage range.

We’ve also made some selected rate changes across our entire Residential product range. And we’ve extended the end dates on all Residential products by 2 months to the end of May.

Ladies and gentlemen, boys and girls. Our new Help to Buy mortgage is here and it’s ready to take centre stage. Available in England, Scotland and Wales and perfect for first time buyers and home movers.

• Grinning from tier to tier
  Whether your client has CCJ’s, arrears or defaults. Our Help to Buy mortgage is available across six of our product tiers, now there’s a reason to smile.
• Don’t stop them now
  We love lending and we’re having such a good time. Just give us a call, on 0344 257 0418 to help your clients climb the property ladder.