The Right Mortgage & Protection Network (TRM) has today (21^st November 2025) launched a new Shortfall Needs Analysis Calculator to aid adviser firms in their protection advice discussions.

As part of TRM’s ongoing commitment to supporting advisers, the company has developed this new tool designed to assist during client discussions about their committed and discretionary expenditures.

This tool enhances advisers’ ability to confidently identify any potential financial shortfall in a client’s lifestyle resulting from a loss of income, as well as the possible impact on their long-term financial objectives.

The tool is designed to support adviser/client conversations and demonstrate adherence to Consumer Duty responsibilities, particularly in helping to ’avoid foreseeable harm’.

Advisers can contact their Compliance Manager for guidance or e-mail the team at: training@therightmortgage.co.uk for additional support.

Keith White, Regulatory Trainer at The Right Mortgage & Protection Network, said:

“The Shortfall Needs Analysis Calculator gives advisers a clearer and faster way to understand a client’s potential financial shortfall, and what element of protection they may require based on a detailed analysis of both committed and discretionary expenditure.

“It removes much of the complexity and time pressure involved in assessing client’s income levels and how this might translate into a potential shortfall and how this might require a specific protection solution such as income protection.

“This Calculator will help advisers move more efficiently toward identifying protection needs and also gives a useful visual aid to help when presenting these potential options to clients. This is a positive step forward in filling the growing ‘protection gap’ and ensuring clients are adequately covered should they lose their job, get sick or their income drops for any reason.”

Amy Wilson, Head of Insurance at The Right Mortgage & Protection Network, commented:

“2025 has been a good year for The Right Mortgage, and we have seen advisers stand up and take action after Consumer Duty. This is just another way we can help and support advisers going into 2026.”

For more information on The Right Mortgage & Protection Network, The Right DA Club, and Group companies The Later Life Lending Network or The Right PMI & Healthcare, please contact: joinus@therightmortgage.co.uk or visit www.therightmortgage.co.uk