Making the most of the Mortgage Maturity
You will have heard from us about the crazy Mortgage Maturity coming up in the second half of this year. We imagine you’re going to be very busy with contacting customers and being front of their minds to get things in place in time.
Review Dates
Acre can provide you with reports to follow your mortgage rate reviews. We have a guide to help you with producing this, see here (its from page 12)
https://rightmortgageadviser.com/wp-content/uploads/2024/08/Acre-Reports-Guide-1.pdf
Marketing
Make sure you are signed up to the newsletter service where we can help you remain at the forefront with your customers. Each month they will hear from you and know you are their best support during this time. Don’t forget to review their insurances at the same time!
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Victoria Clark
Head of Lending
We’re now in H2!
We are now in H2 and it is the national school holidays. Is now the time to take a look at your business levels, your marketing, your business plan and take the time to see what (if any) improvements you can make? Remember to look on our marketing page for the many pre-approved social media posts, leaflet and brochures that are available and also sing up for our marketing newsletter to help you to keep in touch with your customers and introducers. Also remember, if you haven’t used it already, you have a marketing budget with Pure who will be happy to help you create bespoke leaflets and brochures, all for free!
Hope you are able to join us in our next coffee break on Tuesday 5th August where we have our guest speaker as well as the usual compliance updates to help you get it right first time.
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Victoria Clark
Head of Lending
It’s My Favourite Time of the Year – Have You Seen the Providers’ Claims Stats??
It’s my favourite time of the year. No, not Christmas… it’s claim stats season! The time when life insurance providers reveal their claim pay-out stats, shining a spotlight on just how good they are at keeping their promises. And let me tell you, this year’s playing stats are something every adviser should be talking about.
Each year, providers like Aviva, Guardian, Royal London, LV=, Legal & General and Vitality release transparent data showing how many claims they paid across life cover, critical illness, and income protection. Once again, the numbers are impressively high—many topping well over 95% in claim payouts. In fact, several providers consistently pay 97-99% of life insurance claims, offering strong reassurance that policies do exactly what they say on the tin.
Why These Stats Matter
For clients who are sceptical about protection products, these figures are gold dust. They help to bust the myth that “insurers never pay out” and provide tangible proof that life insurance works. It’s also a great time for advisers to reconnect with clients, using these stats to open meaningful conversations about their own protection needs.
These numbers aren’t just vanity metrics, they reflect the reliability, fairness, and support clients receive in their most vulnerable moments. They also highlight providers that go the extra mile with added services like rehabilitation support, mental health resources, or second medical opinions.
A Sales Opportunity with Integrity
Using claim stats as part of your annual review process or in new client discussions helps build trust and credibility. It’s not about pushing products, it’s about showing clients that this is a safety net with real-world impact. Life insurance isn’t just a product; it’s a promise, and these stats prove that promise is being kept.
So, grab your favourites list, compare the stats, and get ready to show your clients why protection is one of the most powerful conversations you can have.
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Amy Wilson
Head of Insurance
Why PMI Specialists Shouldn’t Miss Our Monthly Coffee Mornings
If you’re a PMI specialist looking to stay sharp, share ideas, and connect with peers, you need to be at our monthly coffee mornings.
These informal sessions are designed with you in mind. They’re a relaxed space to chat about the real issues we face as PMI advisers, with a healthy dose of learning, support, and the occasional (friendly!) debate.
Last Month’s Success: Underwriting Methods
Our last coffee morning was a great example of what makes these events so valuable. We had a lively discussion around underwriting methods, diving into moratorium vs. full medical underwriting, and why different advisers prefer different approaches. Some great questions came up about suitability, compliance, and client understanding. Everyone walked away with fresh perspectives and tips they could apply in their own advice process.
It wasn’t just a discussion, it was a genuine knowledge exchange between professionals who care about getting it right for their clients.
This Month: The Good and Bad of Switching
This month, we’ll be focusing on a hot topic in the PMI space: switching.
We’ll explore the pros and cons of switching policies, including:
- When it’s genuinely in the client’s best interest
- The risks of losing cover or falling foul of exclusions
- How to clearly communicate the implications to clients
- And how different providers handle switch applications
Whether you’re new to PMI or have been advising for years, there’s always something new to learn or share.
Why You Should Come
Aside from the great discussions, these mornings are a chance to:
- Network with like-minded specialists
- Get clarity on common challenges
- Stay ahead of industry developments
- And of course… enjoy a proper brew!
Mark your calendar, bring your questions, and join us for another fantastic session. We can’t wait to see you there.
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Amy Wilson
Head of Insurance
Why Advisers Should Always Recommend Home Emergency Cover with Home Insurance
As an adviser, recommending home insurance is second nature, but are you including Home Emergency Cover in the conversation? If not, you could be missing a crucial opportunity to protect your client’s comfort, finances, and peace of mind.
One of the most powerful reasons to recommend Home Emergency Cover is that it makes the value of the policy feel real to your clients. While buildings and contents insurance can seem abstract, covering “what if” scenarios, Home Emergency deals with real-world, everyday crises that customers can easily relate to.
Imagine being able to say:
“If your boiler breaks down in the middle of winter, you won’t have to panic or pay hundreds upfront, you’ll be able to call someone out immediately, without worrying about the cost.”
Or:
“If your toilet backs up on a Sunday night, this cover means help is just a phone call away.”
These examples bring the policy to life. They help clients understand exactly what their insurance is going to do for them in a stressful moment.
A Small Add-On with Big Benefits
Home Emergency Cover is typically an affordable add-on often costing less than a takeaway meal each month. Yet it can save hundreds of pounds and hours of disruption. Without it, clients may face expensive call-outs, delays in service, or further damage from unresolved issues.
Enhancing Client Trust and Protection
Recommending Home Emergency Cover not only shows that you’ve thought beyond the basics, but also reinforces your role as a comprehensive, client-first adviser. It positions you as someone who understands how homes, and the people in them, actually function day-to-day.
The Bottom Line
Emergencies don’t wait for convenient times and neither should your protection strategy. Include Home Emergency Cover as a standard part of your home insurance recommendations, and you’ll give your clients more than a policy, you’ll give them peace of mind, and a clearer understanding of exactly what their insurance is there to do.
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Amy Wilson
Head of Insurance
