April 26th is “On your feet Britain” day, a high-profile campaign motivating people across Britain to reduce sitting and convert it to standing time, simply by getting to their feet. With the current obesity epidemic, it comes as no surprise that sitting for just 4 hours* a day has dramatic consequences that affect a [...]
It’s notoriously difficult for doctors to predict survival rates for people with stage 4 cancer, so many are reluctant to do so. But terminal illness cover will typically only pay out if someone is given less than 12 months to live. Recognising this challenge, our approach to terminal illness goes beyond the ordinary. Like [...]
Losing an income due to an illness or injury is one of the biggest risks your clients will face. Having a flexible approach to income protection could help you provide the right cover at the right price. That's why we’ve introduced a new additional payment option of five years on all our Income Protection [...]
The support your client can expect from us With one of the largest claims teams in the UK and a dedicated claims assessor for each claimant, your clients can count on us when they need us most. Find out more
The protection market is generally focused on providing protection up until the point of retirement, yet the average life expectancy in the UK is 79 years increasing to 83 years for women1. Not only that, there’s also large disparities in the amount that men and women might expect to pay for their care in [...]
Behind our personal approach is our key message “names, not numbers’’, which is how we approach all our relationships. Working with Cirencester Friendly means getting to know your dedicated adviser support team, who will provide you with award winning customer service. You can meet the team here. Alongside this, our Online Chat Tool means [...]
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Royal London launch a new 5 year payment option on all their income protection plans; Legal & General make improvements to intermediary product [...]
Recent figures show that landlords owning between 6 and 20 properties are increasing but those with a property portfolio between 3 and 5 are falling.Regulatory changes like the PRA rules around landlord affordability has contributed to this decline in smaller portfolio ownership.There has been an increase in the number of landlords who are managing their portfolios [...]
Please find the new buy to let product guides updated with the new BTL-F3 product range below. Summary of F3 range as follows: Subject to BTL-F3 Adverse criteria Available to single households only 8 products in total 4 BTL individuals (Two 2 yr fix & Two 5 yr fix rates) 4 BTL Limited Company [...]
Hinckley & Rugby have made an amendment to their criteria. Change as follows 4.49 x income multiple for cases 80% LTV and below. Cases above 80% LTV will remain x4. The enhanced income multiple can only be applied to cases where there is no debt consolidation and the applicant has clear credit. If not, [...]
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The Right Mortgage & Protection Network Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: 70 St. Johns Close, Knowle, Solihull, England, B93 0NH. Registered in England and Wales. Registered Number: 08130498. FCA Number: 649443.
