Happy Friday everyone and welcome to this week’s protection update!
Ever since before I started this role at the end of April; I wanted to have a line of communication with the whole of the network where I can let you know what’s going on, important updates, things to look out for as well as interesting and relevant educational things around the subject of protection…
The great thing was that we already had this ‘protection update’ which goes out each Friday and you’ll have seen some of the changes we’ve made to try and improve it.
But having spoken to many of you, I started to realise that not all of you were actually getting it and that was for a variety of different reasons…
So, I needed to find out exactly who’s not receiving the protection update across the network which is basically why I wrote to you all earlier this week…
Funnily enough… Lots of you have told me that you’ve not been getting the protection update but – hopefully you are now and this is your first one!…
Closing the protection survey 2021
So, what happening right now… well I can tell you today is the final day for the protection survey – I mentioned that in the email I sent to you earlier this week and a big thankyou to everyone who has now filled it in. The numbers are much better and that’s going to help us give a fuller representation of the thoughts across the network.
I’ll do a proper update on the output from the survey soon – I’m sure you’ll find that interesting and I’ll fill in the blanks for those product features that you’ll have seen on the survey…
because you’ll remember; I didn’t tell you which provider went with which product feature… and I think there were been some surprises there…
So as a last call to action – if you’ve not completed the survey… there is a button on this protection update and you do have one last chance to have your say!
Dates for Protection Focus Monthly workshops
Now next week, I’ll be announcing the first dates for our monthly protection focus workshops. What I want to do is have a different protection topic each month and offer you a choice of dates to attend so you can pick the most convenient that works for you.
These are going to be events that we control – we will have guest speakers from time to time, but its important that if you take some time out of your busy diary – there needs to be good quality content that helps you and your business… so that’s what we’re aiming to do.
We’ll be running them on Zoom and the capacity is 100 advisers per session… so again, having more than one workshop will help everyone who wants to attend get a space…
And I can also announce right now that the topic for the first round of workshops in July will be ‘Trusts’… This seems to be the constant reoccurring request that I’m getting from lots of advisers – so going to look at it in a really straightforward and user-friendly way…
The objective will be to build our knowledge and confidence at helping the client to understand what it’s all about and why it’s so important. So, how we can articulate that message to them in an easy-to-understand way?
But also, as advisers we need to have the confidence to accurately complete those trust forms.
I can tell you they are all a bit different in terms of the different providers… and that doesn’t help…
But I’ll be bringing the providers in to demonstrate how to complete their trust forms based on the typical clients we talk to…
Should be a really good session and I’ll get you more detail in next week’s protection update.
Risk Reports…
Now, another hobby horse of mine is the subject of risk and probability…
If you worked in financial services (let’s say that was before 2013); as an adviser, you had no real way of being able to demonstrate the specific likelihood of a claim to a client.
The best you could do was to look at claim’s figures and perhaps examples of people who’ve made claims?
But these days and since 2013, we’ve seen different protection tools come into the protection market … and we can use with clients to help them understand their protection risk probability – in other words “if I had a protection policy – how likely am I to make a claim on it?” …
So earlier this week I met up with Claire from iPipeline and we talked about the Mortgage and Risk Report that is automatically built into Solution Builder.
I know some advisers use these to great effect – others don’t use them
Personally, if you do mortgages and you do protection – I think you need to use either the risk reports built into solution builder, or one of the other Risk Reports which are available to you (if you want to know what and where to find them, give me a shout but I will talk about them in future protection updates)
Why might it be a good idea to build these into your sales process.
Because it sets a marker…
It helps the client understand what those risks are and it helps them understand how likely they are to happen…
And I think what works really well (if you use the Mortgage and Risk Report via Solution Builder) is that you’ll also see indicative pricing for whole package – that’s the mortgage payment and the typical protection solutions…
In the podcast we demonstrate just how quick they are to produce and we talk about why you should consider using them with your clients…
Personally, I think you should let every mortgage client get see one of these reports…
If you use social media – why not use them there (obviously check with financial promotions) … but people will be very surprised about some of those risk percentages… it can provoke some conversation and debate…
In your sales process – risk reports can be the very platform to have that protection conversation and it’s going to help the client figure out exactly what their priorities actually are
So, there’s a link to that protection insight podcast on this protection update…
Putting Protection on the Agenda
Now unless you’re quite new to the network, you might not be aware of this but we’ve created a workshop which tags onto the back of the induction courses.
It’s called ‘Putting Protection on the Agenda’ and it’s all about sales process ideas that will help you create a clean journey when talking to clients about protection. It’s all based on sales ideas that real advisers successfully do within their own processes…
Up until now it’s just been available for brand new advisers to the network but I’m going to open that up to everyone else.
The next one is in July and we’ve actually got these scheduled each month for the rest of the year, so I’ll let you have the dates next week and you’ll be able to either book on yourself – or if you’re a business principal – you can nominate own of your advisers…
I’ve run it a few times now and it’s really good. It’s a full morning’s session, but it’s interactive and it’s thought provoking.
I’ll do a proper write up within next week’s protection news and I’ll let you have the dates for those…
So, lots of exciting things to look forward to….
Have a great weekend and I’ll see you soon!
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Mortgage applications have had a strong start this year, due in no small part to the stamp duty holiday extension until the end of June 2021. While mortgage applications are increasing, as an adviser you need to [...]
Towergate: Have you seen our client facing marketing hub?
To ensure you have everything you need to build your client and prospect base, we have designed some marketing material for you to use. The material can be used in conjunction with your current marketing [...]
Scottish Widows: Protection special edition of TechTalk
Get the latest technical support in our Protection special edition of TechTalk. Read now.
LV: Track your online applications using the LV= Protection Progress Hub
The LV= Protection Progress Hub is an easy and convenient way to track the progress of your applications 24/7, providing you with key information that’s refreshed every 15 minutes, saving valuable time and making it [...]
Cirencester Friendly: Join us for our ‘Let’s Talk Health and Wellbeing’ webinar
Throughout the previous 12 months, health and wellbeing has been at the forefront of everyone’s minds. That’s why we would like to invite you to join our ‘Let’s Talk Health and Wellbeing’ webinar to be [...]
Stress awareness month… What’s the protection link?
April marks ‘Stress Awareness’ month which is an initiative aimed at increasing public awareness of the causes and cures of stress, one of the largest public health challenges of our time, and one of the [...]
Vitality – enhancements to multi benefit plans, quote portals & plan fees
If you have carried out research for Vitality protection recently, you might have seen that as of Monday 19th April, Vitality have made a series of enhancements to the way you quote multi benefit solutions [...]
Protection Claims 2021
We’re entering protection claims season whereby the various life companies release their claims data for the previous calendar year. One of the first to publish was AVIVA and they reported some incredible statistics. Aviva paid [...]
Weekly Protection Update – 23rd April 2021
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: Don’t forget: Ceta [...]
Uinsure: non-standard policies
How often have you tried to provide a General Insurance quote for a client and no quotes have been returned after entering their details? How many times have you had to turn them away as [...]
PAYMENTSHIELD’S BE GI VIRTUAL CONFERENCE
Paymentshield invite you to join them at their first virtual conference of 2021 on Wednesday 26th May from 9:45am. The ‘Be GI’ virtual conference is designed to provide insight into how the market has changed [...]
Royal London: What’s on the menu?
Our new ebook – in partnership with Cover magazine – helps you power-up your menu conversation. Read it now
LV: Tools and calculators to help drive your Protection conversations
LV= is committed to offering you support to help with your client conversations and applications which you’d expect from an established provider. Their online services include a quote and apply service for their protection products [...]
Vitality Life Multi-Benefit Changes
Vitality’s existing Multi-Benefit solution Vitality currently offer a multi-benefit solution which allows advisors to quote for multiple protection needs across multiple plans and lives at the same time and then applying for the covers that [...]
MetLife: Supporting your active clients
Leading an active lifestyle has many benefits for our health and wellbeing, and as COVID-19 restrictions are lifted, millions are looking forward to getting back to the pitch, gym or pool. While there’s little to [...]
Cura: Practical Protection Podcast: Menopause, Breaking the Taboo
Hi everyone, the last episode of the Practical Protection Podcast, concentrated on bowel cancer, with Matt sharing his own personal experience. We really hope this was insightful and allowed you to broaden your knowledge surrounding [...]
Weekly Protection Update – 16th April 2021
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: The Exeter discuss [...]
MetLife: Flexible features for wider suitability
From those buying their first homes to families moving up the property ladder, mortgage clients come with a broad range of protection requirements. A flexible product such as MetLife MortgageSafe means it’s easier to arrange [...]
Berkeley Alexander: UK Insurance Market Conditions – are we approaching the peak?
For the last two years, the insurance market both in the UK and globally has been hardening at a rate not seen since 2001/02. We are at the peak of the phase of the market [...]
L&G: There when you need them
In 2020, L&G paid out over £763 million across thier Life, Critical Illness Cover, Terminal Illness Cover and Income Protection policies, supporting 15,855 customers and their families. L&G also supported families who lost loved ones [...]
The Exeter: The Exeter 2020 claims insight
Could your clients survive without an income? In 2020 we paid £10 million in income protection insurance claims (IP) to our members who couldn’t work due to illness or injury. In total, we paid 91 [...]
Vitality: Child Serious Illness Cover Cashback Offer
To make Child Serious Illness Cover even more accessible and affordable for your clients, we’re offering cashback for their first 12 months premiums when added to their Personal Protection Plan. This applies for up to [...]
iPipeline: Did you miss the latest edition of iPipeline Quarterly?
Each quarter we release a newsletter, full of insightful articles from iPipeline and guest writers from our industry. iPipeline Quarterly provides you with the latest news and topics in the protection industry. Read the new [...]
Uinsure: The threat of escape of water in your home
Figures published by the Association of British Insurers (ABI) have revealed that £17million is paid out every day on home insurance claims in the UK with £1.8 million of this for escape of water claims. [...]
Weekly Protection Update – 9th April 2021
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: Uinsure explain how [...]
Vitality: Introducing Insights Hub
With financial resilience and health & wellbeing in the spotlight like never before, you as advisers are perfectly placed to help enrich and empower your clients’ lives. At Vitality, we are uniquely positioned to monitor [...]
Paymentshield: Be confident with our new chat service
To help shine a light on any aspect of our service you may have a question about, a new chat service is available in Adviser Hub and on our adviser website. The launch of our [...]
Berkeley Alexander: Searching for wider choice?
Finding home and landlords insurance a challenge in hard market? Have premiums increased? Maybe a wider choice is the answer! During the hard market we are all experiencing, prices rising is an inevitable consequence. If [...]
Scottish Widows: Your opportunity to provide feedback
As we continue to look forward with optimism in a dynamic environment we recognise your needs and those of our mutual clients continue to evolve. It is more important than ever that we are here [...]
Scottish Widows: Underwriting during uncertain times
In this article we consider the impact of COVID on our underwriting philosophy and the measures we put in place to support you and your clients. Read now. Find out more
Cura: Practical Protection Podcast
Hi everyone, the previous episode of the Practical Protection Podcast focused on a number of things including wealth management, protection insurance and signposting, we really hope you found this insightful and useful to your work. [...]
Uinsure: Accidental Damage could be a cost-effective way of avoiding expensive mistakes!
Did you know the majority of home insurance claims are for accidental damage in the home? This could be something as easily done as spilling a drink on the carpet or breaking fixed glass in [...]
Weekly Protection Update – 2nd April 2021
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: Source announce an [...]
Track the progress of your LV= applications
The LV= Protection Progress Hub is an easy and convenient way to track the progress of your applications - providing you with key information as well as live updates, saving valuable time and making it [...]
Zurich smoker status
Be aware, Zurich grade ex smokers up to 5yrs. Portals do not facilitate the additional premium for smokers, so the true premium will only be seen once they have gone through to Zurich The [...]
Paymentshield launch interactive video
To help you be confident when talking to clients about their general insurance needs, Paymentshield have put together their most effective resources in a handy interactive way. With more than 50% of advisers telling Paymentshield [...]
Source announce an ambitious growth strategy
Source have restructured their board over the past year and have recently announced an ambitious growth strategy, to be carried out over the next few years. Click here to read their press release
Scottish Widows: Register Now – Supporting Vulnerable Clients webinar
OUR TAKE ON… SUPPORTING VULNERABLE CLIENTS There has been an increase in the number of UK adults in vulnerable circumstances as a result of the pandemic*. Consequently, the FCA has now issued its ‘Finalised Guidance’ [...]
Scottish Widows: Clinic in a Pocket™ Protection app
In addition to our popular RedArc services included with Scottish Widows Protect, to support your clients at this difficult time we have added GP Services and free delivery of repeat prescriptions. They’re available in our [...]
Weekly Protection Update – 26th March 2021
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 [...]
The Exeter: When it comes to everyday health concerns, why wait?
When it comes to everyday health concerns, why wait? With the ongoing challenges facing the NHS showing no sign of easing, now is the time for your clients to make use of the additional [...]
Royal London: Have you tried our new menu tool yet?
Menu made simple We love it when a Menu Plan comes together Learn more Our new menu tool makes it easy to talk to clients about protection and demonstrate the value of your advice. [...]
LV= 2020 claims performance is now available to download
When it comes to protection, you and your clients should be confident that they'll be able to rely on their cover at the moment it matters the most. At LV= we're proud of the [...]
Legal & General: Raising awareness of ovarian cancer
March is Ovarian Cancer Awareness Month, and with around 7,400 diagnoses in the UK each year, it’s the 6th most common cancer in women and in 2019 Legal & General paid out on 142 [...]
Scottish Widows: Taking on tomorrow’s world and New Clinic in a Pocket™ mobile app
The latest vodcast in our Expert Series looks to the future. Our Chief Economic Advisor Angus Armstrong talks about why clients’ financial priorities should be set in the context of economic and social forces. [...]
For non-standard insurance, it has to be Higos
We Love Different. At Higos, we know not every home in the UK is made of bricks and mortar, or has a tiled roof and there's nothing we love more than finding the right [...]
Uinsure’s Client Apply Service
Uinsure's Client Apply service gives your clients the choice to progress their application in their own time. Simply share a quote with your client and give them the option to complete bank details and [...]
Zurich: Claims stats highlight fracture cover is not just for active clients
A broken bone or ligament tear can have severe implications on our ability to carry out day to day tasks. It is also something that is not unfamiliar as it is not uncommon to pass someone on [...]
Berkeley Alexander: Searching for wider choice?
Finding home and landlords insurance a challenge in hard market? Have premiums increased? Maybe a wider choice is the answer! During the hard market we are all experiencing, prices rising is an inevitable consequence. [...]
Weekly Protection Update – 19th March 2021
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: Holloway Friendly update [...]
Ceta: Happy St. Patrick’s Day! Are you feeling lucky?
Are you feeling lucky? There are lucky draw prizes of 50 points up for grabs today in celebration of St Patrick's day. As a Ceta Reward member, all you have to do is click on the [...]
Introducing Uinsure’s new Adviser Platform
Fast. Intelligent. Intuitive. Uinsure's new platform has now launched which makes it even to easier to provide an insurance quote across Home, Buy to Let and Non-Standard with only 3 questions (name, date of birth [...]
Legal & General: Introducing our new partnership with Sky
Give your SmartQuote customers a treat with our new partnership with Sky, new Sky discounts available for your SmartQuote customers. We’re delighted to announce that we’ve partnered with Sky to give your SmartQuote customers [...]
Royal London: Have you tried our new menu tool yet?
Menu made simple We love it when a Menu Plan comes together Learn more Our new menu tool makes it easy to talk to clients about protection and demonstrate the value of your advice. [...]
Exeter: When it comes to everyday health concerns, why wait?
Registered dietician consultations and lifestyle and nutrition consultations, which are now available to all income protection members. With the ongoing pressures placed on the NHS showing no signs of easing, we wanted to [...]
MetLife: Looking after the little ones
Every parent knows that raising children is likely to include its fair share of accidents, illness and one or two broken bones. Taking out protection for them won’t stop them getting into the odd [...]
Legal & General: Quickly get the underwriting information you need for Diabetes, BMI and more
Quickly get the underwriting information you need for Diabetes, BMI and more Legal & General have developed an online tool (Virtual Assistant) to give you quick access to the information you need during pre-sale. By answering a few simple questions you’ll get immediate [...]
Scottish Widows: Changes to our address and opening hours
Our office on Dalkeith Road in Edinburgh closed in November 2020. Work is underway to update our address details in literature and communications, but until that’s completed, there is a mail redirect in place [...]
Holloway Friendly: Update exclusions on most deferred periods
One of the great achievements from the industry over the past year was the fact that the pandemic led to relatively little change in protection products. Income protection was the product that perhaps endured [...]
Weekly Protection Update – 12th March 2021
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: Uinsure’s new technology [...]
Paymentshield: Integration into The Key
Have you tried the Paymentshield intergration into The Key yet? Watch our video to know how it works: If you need any support with using the intergration, please email training@therightmortgage.co.uk [...]
Holloway launch their revised one2protect plan
The new One2Protect plan replaces Holloway Friendly’s previous product of the same name. It is specifically aimed at those in low-risk occupations such as office workers, solicitors, accountants etc. and priced for the lower [...]
Aviva provide extra support for cancer sufferers
When asked at the turn of the year, what the industry should expect from claims in 2021, Aviva were very quick to state that delays in screenings would result in higher levels of more [...]
Berkeley Alexander: The opportunity to introduce and/or refer GI
When reading this, please raise your hand if… You currently don’t sell GI? You don’t have the time to quote GI? You don’t believe GI is worth it for the income you make? You [...]
MetLife: Flexible features for wider suitability
From those buying their first homes to families moving up the property ladder, mortgage clients come with a broad range of protection requirements. A flexible product such as MetLife MortgageSafe means it’s easier to [...]
VitalityLife: Have you registered for our new underwriting tool, Spectra?
Spectra is designed to provide you with immediate day-or-night access to the likely underwriting decision for your clients. The tool improves the visibility of indicative underwriting decisions - making it easier for your clients [...]
LV= How much difference does £11 really make??
Over the past year, the COVID-19 pandemic has challenged us all to adapt and consider the importance of being financially resilient. But did you know that at LV= we offer affordable protection options to [...]
Guardian: When Lee’s heart failed him so did his insurer
It took a defibrillator to bring Lee back to life after a cardiac arrest. However, the policy Lee took out in 2007 refused to pay out. Apparently, his policy only covers heart attacks. To [...]
Cirencester Friendly: Removal of 8 week rule
From Today applicants must confirm the below: I am working my full hours, on full occupational duties and am not in receipt of furlough payments or SEISS. I am also not aware that I [...]
Legal & General: New ‘Agreement in Principle’ for customers
Providing an immediate view on likely acceptance We have made improvements to the way we communicate decisions to you on applications where the customer may already have an existing policy with us. Giving you [...]
Uinsure’s new technology increases advisers earnings
Uinsure have today launched a new tech platform that aims to remove insurance complexity for advisers and their clients. It coincides with the unveiling of a brand refresh for the first time since its [...]
Can Royal London help advisers sell the “Value of menu”?
When assessing the protection needs of a client it is unlikely that just one plan will meet all of their needs. For all but the smallest minority of clients, protecting their income in the [...]
The Exeter: Monthly round up
Welcome to your monthly news roundup! Bringing you all the latest insights and tools from The Exeter. Another way of approaching the “added value” conversation When positioning “added value services” with your clients how [...]
Legal and General: Change to MUTAL opening times
From the 8th March we are changing our MUTAL opening times to 10am-5pm Monday to Friday. The first hour of the day will be dedicate to our email traffic. This change aims to improve [...]
Aviva: We’re helping you to seal the deal
Why should you talk about the Aviva DigiCare+ annual health check? Rounds out your protection offering and demonstrates the value you offer to your clients - Aviva DigiCare+ is only available with our advised [...]
Cura Insurance: Our latest practical protection podcast
Our last episode on Protecting Your Mortgage, featured special guest Andrew Montlake and I really hope you found this interesting and useful. Hopefully this has reiterated the need to discuss protection insurance whilst beginning [...]
Uinsure: Introduce the new adviser platform
We are pleased to announce two new exciting updates to Uinsure New brand – Uinsure is launching with a refreshed brand on Monday 8th March. Attached is a copy of the new logo embargoed [...]
Berkeley Alexander: Please raise your hand
When reading this, please raise your hand if… You currently don’t sell GI? You don’t have the time to quote GI? You don’t believe GI is worth it for the income you make? You [...]
Protection Guru: Why is age more than a number
Why is age more than a number when researching relevant life plans? It’s important for clients who run small businesses to retain valued members of staff, especially at the moment when many are trying [...]
Weekly Protection Update – 05th March 2021
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: Aviva helping you [...]
Weekly Protection Update – 26th February 2021
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: Paymentshield set the [...]
Berkeley Alexander: Maybe wider choice is the answer?
Finding home and landlords insurance a challenge in hard market? Have premiums increased? Maybe a wider choice is the answer! During the hard market we are all experiencing, prices rising is an inevitable consequence. [...]
MetLife: Delivering on our promises
With COVID-19 transforming nearly every aspect of our lives, it’s shown that it’s impossible to know what tomorrow may hold. Although MetLife can’t give you a glimpse into the future, our claims philosophy provides [...]
Join Paymentshield for their Stamp Duty Webinar
With the Stamp Duty Holiday currently set to end on 31st March, now is a good time to speak with clients and remind them how important having appropriate home insurance cover in place is [...]
Legal & General: Supporting you and your customers at this challenging time
Supporting you and your customers at this challenging time Our Existing Business Agent Hub (EBAH) in OLPC keeps you informed when your clients miss payments or ask to cancel their policy. By quickly receiving [...]
Royal London: How to make income protection an essential part of menu conversations
Join us on Tuesday 9 March at 10.30am where we’ll discuss the importance of including Income Protection as part of a Menu Plan. We’ll explore common objections and provide tips and ideas to help overcome these. [...]
Cirencester Friendly: Talk to your clients today about income protection
My Earnings Protected, a safe way to insure your clients’ earnings Here are a few key features which makes My Earnings Protected a Defaqto 5 star rated product. No loadings for occupation, smoking or [...]
Aviva: Residency eligibility criteria update
Following the end of the Brexit transition period, we have updated the residency eligibility criteria in our policy conditions for our individual protection products. Our stance on the eligibility criteria has not changed – [...]
Vitality: Introducing our new Child Serious Illness Cashback Offer
To make our market-leading Child Serious Illness Cover1 more accessible and to provide even more value to your clients, we’re offering a limited-time cashback offer for the first 12 months premiums on Child Serious [...]
The Exeter: Digital healthcare – is widespread change afoot?
In early 2020, I wrote an insight about HealthWise, The Exeter’s member benefits app, reminding advisers of its availability and the support it provides your clients. At the time, pressure on the National Health [...]
LV= to offer cover for older clients
LV= today announced changes to the maximum ages to which they will provide life cover to clients. For older clients the age limits that insurers put on their policies may restrict the advisers’ choice so this [...]
Weekly Protection Update – 19th February 2021
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: Aviva launch their [...]
MetLife: Refreshingly simple protection for more of your clients
Complicated questions about income, medical history and family health can make protection off limits for some clients. MetLife MortgageSafe is a refreshingly simple protection proposition, designed to cover monthly mortgage repayments in the event [...]
Paymentshield: Stamp Duty Holiday webinar
With the Stamp Duty Holiday currently set to end on 31st March, now is a good time to speak with clients and remind them how important having appropriate home insurance cover in place is [...]
Holloway Friendly: New One2Protect plan
Holloway Friendly have become the first insurer to make significant changes to their income protection offering this year with much focus on flexibility for customers. Check out their flyer explaining the new plans below [...]
Aviva: Enhanced cancer cover
Cancer increasingly touches many of our lives and our research highlights just how important it is for customers to know that they have cancer cover included in their private healthcare.* As part of our [...]
Aegon: Staying connected
Hello, welcome to the first edition of Latest News in 2021, I hope you and your families are continuing to keep safe and well. Tax year end is just around the corner - even [...]
Source: Have you visited our new website yet?
Haven't visited the site yet? Here are the benefits you'll find there Completely redesigned with you in mind Streamlined navigation to make your journey quick and efficient Tailored content to enhance your knowledge Quick access [...]
British Friendly: Guide to their added value services
How can British Friendly’s added value services help your clients everyday? We’re a mutual where members come first, so we offer your clients added value discretionary benefits alongside their core Income Protection cover at [...]
Weekly Protection Update – 12th February 2021
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: MetLife cover the [...]
Berkeley Alexander: The new national lockdowns and the impact on insurance
The new national lockdowns and the impact on insurance As we enter 2021 with the various national, regional and local restrictions that apply across England, Scotland, Wales & Northern Ireland we felt it was [...]
Uinsure: Monthly round up
The FCA is imminently expected to confirm its final rules on GI pricing practices. The impact of the proposed rules is likely to mean that existing customers will never pay more for their insurance than [...]
Higos: Win an iPad with our quick-fire survey
We're ready to get to know our agents! Take our quick fire agency survey now. You have until the 25th of February 2021 to send in your completed survey and be in with the [...]
Paymentshield: ‘Be Admired’ by your clients with their Valentines eBook
Helping you to identify opportunities to introduce GI to your clients, Paymentshield have provided you with a selection of sales processes and tools to get the conversation flowing this Valentines. To help you be [...]
British Friendly: Watch their new Underwriting Q&A video
BF Monthly: Your guide to selling Income Protection with British Friendly. To help you navigate our Underwriting process and get your clients put on risk quickly and easily, we’ve produced a video Q&A with [...]
MetLife: For homeowners across the UK, there’s MortgageSafe
Whether they’re closing on their first house or living happily in their forever home, you can help clients protect what’s important. Homeowners can rest assured that if an accident and/or illnesses happens, their mortgage [...]
Cura: Mental Health During Lockdown
*** Disclaimer: In this episode we are going to be talking about mental health conditions and in particular suicidal thoughts and attempts. Please be aware that some people may find some of the content upsetting. *** Hi everyone, Matt Rann [...]
Royal London: How to nail your menu conversations and sell more protection
Our upcoming February and March webinars will focus on how advisers and clients can make the most of Menu Plans. Join us on Tuesday 23 February at 10.30am for our first webinar, where we’ll [...]
Hive: Improvements to Guaranteed Life Plan business processing
I hope that your new year has got off to a positive start, and I hope that your business has been able to take advantage of the opportunities provided by our Guaranteed Life Plan. [...]
Weekly Protection Update – 5th February 2021
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: Zurich's pre-app underwriting [...]
Aviva: Register for their broker webcast on Thursday 11th February
Broker webcast: COVID-19 and the Age of Ambiguity Register now We’d like to invite you to register for our webcast on Thursday 11th February at 2.30pm covering the topic – COVID-19 and the Age [...]
The Zurich pre-app underwriting tool is now live and ready to make your life easier
Our new pre-app underwriting tool can provide you with quick and accurate indicative terms without having to apply. To access the tool, you simply need to sign in or register for the Life Protection [...]
Scottish Widows: Their flexible approach to underwriting
SMART, EFFICIENT AND FLEXIBLE UNDERWRITING Our flexible underwriting service is tailored to provide quick decisions and comprehensive cover for your clients through a straightforward application process. We have a strong record for underwriting, in [...]
Ceta Insurance: Have you had a chance to use a none standard digital platform?
New price beater tool available now! Ceta have launched a new commission slider tool which will allow brokers to adjust commission rates, therefore enabling premiums to be reduced on a case by case basis. [...]
The Exeter: Latest news and adviser tools, including the release of our HealthWise 2020 report
At The Exeter, we’re here to support you in your client conversations. This update brings you up to speed with our latest news and adviser tools! When it comes to everyday health concerns, why [...]
Paymentshield: Sales Structure Change
This year, Paymentshield have updated their sales team structure to enable them to further enhance the support that they offer to advisers in growing their GI sales and protecting their client’s family home. They [...]
British Friendly: Important system updates for your information and new underwriting content
British Friendly’s new online quote and apply system. Following our new system launch last week, we are delighted to receive some positive feedback from you about the overall look and feel of the new [...]
MetLife: Expand your Protection Portfolio with MortgageSafe
Adviser training session As you will be aware, TRM firms have been chosen to take part in the initial roll out of MetLife MortgageSafe – a new innovative and simplified income protection proposition. To [...]
Royal London: This new tool makes selling menu simple
Menu made simple We love it when a menu plan comes together. Learn more Our new menu tool makes it easier to talk to your clients about protection and demonstrate [...]
Weekly Protection Update – 29th January 2021
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 cover [...]
Cura: Covid in relation to the underwriting process.
Hi everyone, in this episode I have Helen Croft, Head of Underwriting Strategy at AIG, joining me and we are talking all about covid in relation to the underwriting process. We’ll be discussing why [...]
Aviva: Register for our broker webcast on Thursday 11th February
Summary We will continue the theme from our recent webcast on the pandemic, giving an update on where we are currently - both clinically and from our business perspective. We will also talk about [...]
AIG Life – COVID 19 premium flexibility extended
AIG Life has decided to further extend the availability of the premium flexibility scheme. Customers will now be able to apply for premium flexibility up to 30th April 2021. More details of the scheme [...]
British Friendly: New online quote and apply system
We’re delighted to let you know that the first phase of our new system implementation has been successful and you can now login to your new account. How to login Before you can login [...]
Berkeley Alexander: This alert focuses on the insurance impact of latest lockdown
The new national lockdowns and the impact on insurance As we enter 2021 with the various national, regional and local restrictions that apply across England, Scotland, Wales & Northern Ireland we felt it was [...]
Cirencester Friendly: Adding My Extra Benefits to your clients’ Income Protection contract
After waking up on Sunday to a blanket of white snow, the nation embarked on a day of sledging, snowman making and walking. A day filled with laughter, fun and maybe even some accidents! [...]
Aegon: Change of postal address
Change of postal address Our postal address is changing from 26 April 2021 as a result of changing our print and postal administration supplier - our Edinburgh office isn’t changing location. As the change [...]
Legal & General: Early Warning System has moved to Existing Business Agent Hub
Easy access all in one place. Over the past 2 years, we’ve been improving our Existing Business Agent Hub (EBAH) in OLPC to give you better visibility of policies at risk of cancellations and [...]
Royal London: Cover now, underwrite later
Give your clients the cover they need now, while we process their application and review the underwriting. There's times, especially with business protection cases, when we'll need to request additional medical evidence to enable [...]
Weekly Protection Update – 22nd January 2021
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: MetLife cover MortgageSafe [...]
LV= Increase non-medical limits for FPP income protection
With the country returning to enforced lockdown, many hospitals at capacity and an ambitious vaccination program being rolled out, the NHS will inevitably be stretched for some time. Understandably every resource should be directed [...]
AIG: Key USP’s of their protection proposition
With a range of low cost and comprehensive solutions, Smart Health and a transformative impact based approach to critical illness there are many aspects of the AIG protection proposition that advisers are familiar with [...]
Royal London: Launch “Underwrite Later” on business protection plans
Royal London have launched a new "Underwrite Later" facility on business protection and relevant life applications. This new feature enables clients to put their business protection or relevant life policy in force immediately based [...]
MetLife: MortgageSafe up and coming webinars
Adviser training sessions As you will be aware, TRM firms have been chosen to take part in the initial roll out of MetLife MortgageSafe – a new innovative and simplified income protection proposition. To [...]
Weekly Protection Update – 15th January 2021
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: Join MetLife for [...]
Scottish Widows: A few New Year’s resolutions you may want to consider
TOP TIPS FROM DR MIKE MOSLEY Last year was a tough one for many people, and for many different reasons and it looks like the start of this year could be too. It’s never [...]
Zurich invite you to a series of presentations
As you know, this year has started in a very strange place, however I believe the market, advisers and providers are much more aware and ready for remote working this time around and hope [...]
Legal & General GI Club Presents – Kickstarting 2021
We hope you’ve had an enjoyable festive break, even though it was likely rather quieter than usual. After another hectic year, some welcome downtime often gives us time to think about what went well [...]
Paymentshield: New online broker FAQs
Broker FAQ Network Comms – January 2021 - 01866 Paymentshield have added online FAQs to their adviser facing website to further support you with your conversations about general insurance. Save time [...]
Join MetLife for their 2020 claims review webinar and learn about their new product MortgageSafe
The webinar will include: Detailed insight into the claims paid Discussion of emerging claims trends through 2020 Real-life examples to use with clients to help grow protection business in 2021 Date: Tuesday 19th January [...]
Cura: New directions – The Practical Protection Podcast
Hi everyone, this week I’m starting 2021 off with a brand-new season, and along with it some new changes. I have a new co-host, Roy McLoughlin, who will be joining me [...]
Weekly Protection Update – 8th January 2021
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: LV= increase non-medical [...]
LV= increase non-medical limits for FPP Income Protection
With the country returning to enforced lockdown, many hospitals at capacity and an ambitious vaccination program being rolled out, the NHS will inevitably be stretched for some time. Understandably every resource should be directed [...]
2021 CPD learning with The Exeter!
At The Exeter we’re dedicated to supporting you with your professional development. Our adviser knowledge centre contains valuable insights, research, and videos which will help you to keep on top of your CPD learning [...]
MetLife: Protecting mortgage repayments is now refreshingly simple
Policy complexity, lengthy underwriting and time pressures can be a challenge when adding protection to the mortgage advice process. But MortgageSafe, a new protection policy from MetLife, addresses these issues, giving you and your [...]
Aviva: Important update – How we’re supporting your clients during the pandemic
We’re committed to offering products that offer value and appropriate support for your clients during this period of uncertainty. That’s why we’re continually monitoring the situation so that we can amend the support we [...]
Latest Berkeley Alexander GI Buzz
Local Roots Covid-19 has made us all more grounded in our local communities as we are spending far more time working and living from home. From a business perspective it is mightily reminiscent of [...]
Weekly Protection Update – 29th May 2020
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: Legal & General [...]
Holloway Friendly have introduced 4 week deferred periods on their one2protect, purely and classic plus plans
Holloway Friendly have re-opened applications for 4 week deferred periods on our one2protect, Purely and Classic Plus plans. These are the deferred periods now available to Advisers across our plans: one2protect - 4, 8, [...]
Maximising opportunities with MetLife
Did you know, MetLife is 152 years old this year? While the world continues to change at a rapid pace, one thing remains constant: our commitment to building a more protected world for individuals, [...]
Legal & General: Covid-19: Medical Screening Update
Here at L&G we continue to offer market leading underwriting capability despite the unprecedented times we find ourselves in. Our Underwriting team remains committed to the standards set before the Covid-19 crisis unfolded, and [...]
Scottish Widows: Changes to Protection Underwriting Guide COVID-19
We are committed to providing valuable protection cover to as many people as possible. Read about the underwriting changes we are making to help our customers through COVID-19. Find out more [...]
Vitality: Why use Vitality Academy?
The Vitality Academy is built around you… With the extraordinary world we now find ourselves in, many of us are taking the opportunity to boost our learning and CPD, so we’re accelerating our investment [...]
Royal London: Keeping your business on track
Protection conversations in the current climate People are feeling uncertain and worried in different areas of their lives at the moment - recent events have taught us that our health and income can quickly [...]
Berkeley Alexander: Commercial Consultant, View from their BDMs and Webinar Training
Get yourself a Commercial Insurance Consultant for Free!! How would you like to have your own commercial insurance consultant on tap to train your team on the commercial insurance opportunity; advise on marketing this [...]
Weekly Protection Update – 22nd May 2020
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: Aegon, Aviva, Guardian [...]
Guardian: Coronavirus update
Guardian have announced that they will be offering a premium deferral option for clients suffering finacial difficulty due to COVID-19. Premiums can be deferred for one, two or three months with cover remaining in place [...]
AEGON FIRST TO ANNOUNCE CHANGES AFTER FCA GUIDANCE
In a positive start to the week, AEGON have become the first insurer to respond to FCA guidance published last week by implementing a premium deferral option. The FCA guidance set out the regulators expectations [...]
L&G: Payment holidays
Payment Holiday Our purpose as a business is to support your customers at the most challenging times in their lives, and this remains unchanged. We understand that these are unprecedented times and as the situation [...]
Vitality: Support for you and your clients
VitalityLife Underwriting – Open for business Over the course of the pandemic Vitality have successfully launched a number of initiatives designed to support you and your clients. One of these initiatives is we’re now [...]
Royal London: Keeping your business on track
People are feeling uncertain and worried in different areas of their lives at the moment - recent events have taught us that our health and income can quickly disappear. When we return to 'normal', [...]
Cura: The Inbetweenysode Podcast – Mental Health: An Insurance Walkthrough
This is the first in a series of shorter podcasts called ‘The Inbetweenysode’, which we are running in addition to our regular Practical Protection episodes. We have deliberately made theses shorter, so that we [...]
Aviva: Premium deferral update for individual protection customers
It’s more important than ever for customers to have the right protection and to maintain their chosen amount of cover – so it’s there in full to support them and their loved ones when [...]
LV= helping you support your clients’ mental health
LV= understand that your clients mental health is just as important as their physical health, with 1 in 4 adults experiencing a mental health problem each year, and, the coronavirus lockdown will only impact [...]
Scottish Widows: Mental Health and Protection Insurance
As we enter Mental Health Awareness week, read Johnny Timpson’s blog as he considers how our industry can do more to help customers when they’re at their most vulnerable. Find out more
Weekly Protection Update – 15th May 2020
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: Vitality's underwriting is [...]
Hanley Economic: Brand new product with product sheet
We have a brand new product which is available for release immediately; MFD373: 3.45% Fixed Rate for 3 Years Up to 95% LTV Non-Refundable App fee: £299 (Cannot be added to loan, must be [...]
Cirencester: 130th Annual Report and Accounts shows continued growth during 2019
2019 was another strong year for Cirencester Friendly. We would like to take this opportunity to thank you for your continued support in trusting us with your clients, our Members. [...]
Berkeley Alexander: A telephone BDM view on lockdown
Our bubbly TBDM, Shelley Harmer, was asked to give her thoughts around how she is helping brokers in her daily calls. 'At this tough time it’s actually great to be there for our agents, [...]
Scottish Widows: Introducing our 2019 claims statistics
Our Head of Claims and Underwriting Strategy, Scott Cadger, introduces our 2019 claims pay out rates. Find out more about our claim stats and the stories behind the numbers. Find out more [...]
Legal & General: Training support during our new everyday and medical screening update
COVID-19: Medical Screening Update Here at Legal & General we continue to offer market leading underwriting capability despite the unprecedented times we find ourselves in. Our Underwriting team remains committed to the standards set [...]
Uinsure: Live webinar series
Join Uinsure for a series of live webinars aiming to support you, build your product knowledge and help grow your revenue. Now is a great time to invest in your own learning and knowledge [...]
Vitality: Underwriting is open for business
Please find attached a document giving an update and overview on what we’re doing from an underwriting perspective during this pandemic. Most notable is that we’ve recently launched Virtual Screenings (for certain clients) in [...]
Cura – CuraVision The ABCs: Eating Disorders
In the latest episode of CuraVision The ABCs, Kathryn focuses on Eric*. Eric came to Cura with a number of medical disclosures, and approached us for our help in finding him [...]
Paymentshield: National conversation week
Monday 11th May is the start of National Conversation Week 2020 (NCW) in partnership with Defaqto in support of Mind. In this uncertain time, it is really important to be keeping the conversations going [...]
The Exeter: HealthWise – helping to ease the burden on the NHS
With pressures on the NHS increasing, now is as good a time as any to remind your clients of the added extras included within their insurance policies. Services such as remote GP appointments could [...]
Aviva: Boost your protection retention success with ALPS existing business tracking and upcoming webinars
Take two minutes to boost your retention success with ALPS Existing Business Tracking. Watch our video to find out how using tracking notifications can help you keep your clients and your income stream protected. [...]
Weekly Protection Update – 8th May 2020
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: Aegon resume requesting [...]
Zurich introduces premium flexibility
Zurich has introduced a series of measures to give flexibility to protection customers who may be struggling financially during the coronavirus crisis. They include an option to defer monthly premiums for up to three [...]
LV= Supporting your clients financially, emotionally and practically
When your client makes a claim on their policy, it's often referred to in the industry as 'the moment of truth'. LV= know it's important to you that you can recommend a provider that [...]
The Exeter: Latest Insight Summaries
HealthWise – helping to ease the burden on the NHS With pressures on the NHS increasing, now is as good a time as any to remind your clients of the added extras included within [...]
CanadaLife: Our new Coronavirus Hub and additional support measures
During these challenging times, we want you to know we’re here to help. We’re continually looking for the best ways to share the latest information with you and your clients. That’s why we’ve created [...]
Legal and General: 2019 claims statistics and upcoming webinars
In today’s uncertain world, you can still be certain we’re here to help. In 2019, we helped more than 15,000 customers and their families by paying out over £731 million in individual protection claims. [...]
Royal London: Six ways our online service makes it easier to do business from home
Sara Docherty Working from home has fast become the new reality for many of us. But things probably feel anything but normal just now. That’s why we wanted to give you some practical hints [...]
Platform: Mortgage offers and documentation during this difficult time
Extensions to Mortgage Offers In light of the Covid-19 pandemic the Ministry of Housing, Communities & Local Government have recently issued guidance for buyers and sellers to be more flexible on moving dates and [...]
Weekly Protection Update – 1st May 2020
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: Aviva resume medical [...]
Zurich announce premium flexibility
Now, more than ever, it is important that customers maintain the protection cover they have, and where possible, we’ve added extra flexibility to our protection products. If your clients’ income has been impacted by [...]
Aviva: Medical evidence requests to be resumed from 27th April
From Monday the 27th April we will resume requesting medical evidence for all applications in our pipeline, and also for all new applications. We previously stopped these requests in order to reduce pressures on [...]
British Friendly announce new underwriting approach
British Friendly have announce three new initiatives designed to help advisers put clients on risk quicker. The initiatives include the withdrawal of automatic requests for medical evidence, the introduction of a tele-interview in partnership with [...]
Vitality: Additional support for you and your clients
As the significant health crisis that is COVID-19 has developed, we have been and continue to work hard to adapt our approach, so that we can continue to provide services to you and your [...]
Legal and General: Underwriting continues to offer its market leading capability
Underwriting standards during CV19 Our underwriting team is committed to providing the same standards for new business decisions, set pre COVID-19, we are determined to help as many people as possible obtain the peace [...]
Scottish Widows: Covid-19 facts
Read our protection specific COVID -19 FAQs to help you through these difficult times. Find out more
Berkeley Alexander: Get yourself a Commercial Insurance Consultant for Free!
How would you like to have your own commercial insurance consultant on tap to train your team on the commercial insurance opportunity; advise on marketing this sector of your client base; deliver on an [...]
AIG: New flexible policy requests
We know that you’re doing as much as you can to help your clients. We wanted to let you know of a few changes we’ve made this week, designed to support your clients during [...]
Metlife: We’re running a third week of webinars!
Over the past two weeks, the MetLife team have ran two hugely successful MultiProtect webinars which over 760 advisers have viewed. These short 30 minute webinars, covering our claims position and relevancy in the [...]
Royal London: Intermediary Chief Executive, Isobel Langton is taking part in an upcoming FT adviser webinar
Join our Intermediary Chief Executive, Isobel Langton, on the upcoming FT adviser webinar where she’ll be discussing what great service looks like. Advisers are often encouraged to appraise providers on the service levels they [...]
Cura: Episode 7 of The Practical Protection Podcast features Steve Casey, Marketing Director of Square Health
In Episode 7 we welcome our second special guest to the Practical Protection Podcast, Steve Casey, Marketing Director of Square Health. Steve has worked within the financial services for many years, [...]
Paymentshield: Network communication – Geo Home insurance availability and CPD website update
Geo home insurance availability Geo have let Paymentshield know they’ll be temporarily unable to accept new Home Insurance policies and invite renewals from Monday 1 June 2020. Regrettably, we need to expire all Geo [...]
