Moving home is one of the most exciting things in life. You dream of settling in with a glass of bubbly, preparing a family roast in your new kitchen, and welcoming friends around for a house-warming party. But consider how much there is to organise before you get there. There’s broadband to deal with, utilities [...]

Does writing to HMRC explaining the purpose of a business protection policy ensure its tax treatment? Paul McDowell provides an answer… When advising on business protection policies it is broadly accepted that it is good practice to write to the client’s tax office about their policy. Indeed, many providers even supply suggested wording for advisers [...]

Mental Health and Protection In 2020 we had 95% overall acceptance for customers disclosing a mental health condition, with 85% offered standard rates. Helen Dick, Senior Manager Underwriting and Claims Strategy at Scottish Widows, shares her thoughts on how changes to our mental health philosophy put us in a great position to increase the number [...]

Continuing our series examining myths surrounding business protection, Zurich's Paul McDowell explores if a relevant life policy can be used as a business protection tool... The protection industry has frequently marketed relevant life cover under the heading of business protection, for convenience as much as anything else. Though it’s true that employers set them up [...]

Recently, the FCA published the results of the General Insurance Pricing Practices Market Study, outlining changes that need to be made in the insurance distribution industry. This is potentially one of the biggest changes to GI compliance in recent years, and will impact the entire insurance industry. Following the FCA’s final report, you may be [...]

L&G TO LEAVE PAYMENTSHIELD’S HOME AND LANDLORDS PANELS From Sunday 11 July 2021, L&G will be leaving both Paymentshield’s Home and Landlord panel and therefore will be unable to accept any new policies from this date. Paymentshield will need to expire all L&G quotes and pending policies for Landlords insurance not placed on risk before [...]

We’ve simplified our Personal Protection Plan, which means you can now build a plan in three simple steps; Start with Core Cover Life Cover Serious Illness Cover Income Protection Cover Add optional benefits; Child Serious Illness Cover Family Income Cover Premium Waiver on Incapacity Whole of Life Options Choose whether to Optimise   Our Plan [...]

Did you know, we may be able to cover your client if they have diabetes? Monday saw the start of Diabetes Week, which runs from 14th – 20th June.   As you may know, diabetes is a serious, lifelong condition where the level of glucose in the blood is too high. There are two main [...]

VitalityLife: have you seen our adviser checklist?  To help you talk to your clients about Vitality we've created a simple adviser checklist which summarises the key assets you can use within your client protection conversation as well as which stage of the conversation they are suited. It includes links to both adviser and client facing sales aids, videos and tools [...]

Practical Protection Podcast Rehabilitation services in practice (50 mins CPD)   Hi everyone, I hope you found the most recent episode of the Practical Protection Podcast insightful? That mine and Matt’s discussion centred around type 1 diabetes was useful.   This week's podcast focuses on rehabilitation services in practice, and my special guest is Chrissy [...]