Weekly Protection Update – 25th October 2019

Weekly Protection Update – 25th October 2019

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 prove why income protection isn’t just for long-term illnesses;
  • Royal London demonstrate why support services can be more valuable than a pay-out;
  • Introducing Children’s Critical Illness Support from Cirencester Friendly.

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MetLife: TRM Everyday Protect monthly newsletter: October

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JUST: Use medical underwriting to help your clients get a better Just For You Lifetime Mortgage deal

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Ceta have made the longlist in the Mortgage Introducer Awards

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MetLife MultiProtect: Ensuring your children are protected, whatever happens

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Royal London: A tailored approach to underwriting

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LV= – Personal Sick Pay: IP solution designed for riskier occupations

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Aviva – Focus on Global Treatment and boost your CPD

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Royal London – Essential Maintenance being carried out Saturday 7/8 December for protection

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Berkeley Alexander – High Stakes – Playing Russian Roulette with commercial insurance

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More2Life – An update from Martin Heppenstall – Chief Underwriter

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LV= Supporting clients going through a life changing event

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The Right Mortgage & Protection Network unveils 2020 events calendar

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Cirencester – All you need to know about My Earnings Protected!

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Association of British Insurers – UK Insurance & Long-Term Savings key facts

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April UK: You can now submit personal accident plans online

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The Exeter: Leading the way and putting claims at the heart of its business

We are committed to providing an excellent claims service to our members and we are continually looking for ways to improve it. Wanting to make our claims service both quicker and easier for our [...]

The Guardians New Combined Life And Critical Illness Protection Is Available Now

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Royal London: Could your self-employed clients use the difference in National Insurance contributions to help buy a protection plan?

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Supporting your clients’ health with enhanced LV= Doctor Services!

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You’re invited to VitalityLife and VitalityHealth’s Launch 2019

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Cirencester Friendly: Additions to children’s critical illness support

I just wanted you to be amongst the first to know that we have launched our ‘Children’s Critical Illness Support’ on Wednesday 23rd October.It will be available to all new and existing Members (some terms [...]

Berkeley Alexander launch new risk management service for intermediary clients

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The Exeter are combining digital power with a human touch thanks to Healthwise

All our members and their immediate family have access to our HealthWise app. The app provides access to health and wellbeing services, bespoke to their policy. The services available include GP-on-demand, a second medical [...]

April updates on cross selling opportunity for Right Mortgage advisers

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Royal London: Why support services can be more valuable than a pay-out

Support services available through protection plans can offer your clients something they might not expect and could help you build long-term trusting client relationships. Aftercare can be an important of part of recovery. Over 50% [...]

Cirencester Friendly: Introducing Children’s Critical Illness Support

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LV= Personal Sick Pay: income protection designed for riskier occupations

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The Exeter: Income protection isn’t just for long-term illnesses. We cover flu and chickenpox too!

Income protection from The Exeter doesn’t just cover long-term illnesses for the times when your clients are too ill to work. We cover any illness or injury that stops your clients from working. Viruses can [...]

Scottish Widows: CPD Course – Residence nil-rate band for protection advisers

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Vitality Life: How WhatsApp is transforming customer service

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Royal London: Income protection tailored to your clients needs

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MetLife: Anything can happen in a day. Ensure you’re protected

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LV=: Enhanced claims payments and value added benefits for life’s unexpected events

The critical illness cover under LV= Life and Critical Illness offers a wide range of conditions, including enhanced claim payments. These really could make a difference if your clients experience a life changing event [...]

Legal & General: Maximise your GI opportunity at our CII accredited workshops

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Royal London: Webinar: Take a closer look at our Diabetes Life Cover

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LV= Supporting clients with a 12 month claim period

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The Exeter: We give our members access to a personal nutritionist. At no extra cost.

Eating well is easier said than done. And it can be confusing for people who face health problems such as diabetes, high blood pressure or being overweight.  Our life insurance members and their immediate [...]

Scottish Widows: Help clients see the immediate benefits of protection with our client facing video

Help clients see the immediate benefits of protection with our client facing video Scottish Widows Care can help you change the way you talk to clients about protection. Care comes with every protection policy [...]

The Exeter: Our new physiotherapy benefit is a big hit with our members

All of our members and their immediate families have access to HealthWise; our member benefits app, providing access to a variety of wellbeing services. Our physiotherapy service, available to our income protection and health [...]

LV=: Income Protection: it’s not just about the physical issues

As an industry we’ve come to know that it’s not just physical issues that need to be considered when underwriting an Income Protection plan; openness about mental health has come on in leaps and [...]

April UK: Who’s the heaviest player at the Rugby World Cup?

Coming in at a staggering 24 stones, the Tongan frontrower Ben Tameifuna is expected to be the heaviest player at this year’s Rugby World Cup. Whilst in second place at ‘just’ 21.3 stones comes [...]

Vitality Life: Taking a unique approach to physical and mental wellbeing

Mental health affects us all, every day. That’s why Vitality’s health insurance takes a unique approach to physical and mental wellbeing. The 23 September marked the launch of our new mental health campaign with [...]

Berkeley Alexander: New Risk Management Service for Intermediary Clients

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LV=: Supporting clients with a 12 month claim period

Income protection specialists, LV=, understand that all your clients are unique and have different needs. That’s why they offer a range of easy-to-understand income protection solutions, designed to help your client protect what matters [...]

Vitality Life: Roll out modular plan provisions

VitalityLife have started rolling out their modular plan provisions for all VitalityLife and VitalityLife Essentials plans. The modular plan provisions will be personalised and provide content that is relevant to your client’s plan. This new [...]

Aviva: We’ve made improvements to our online journey

We've listened to your feedback, drawn on our expertise and taken action. September sees the launch of new functionality throughout the online quote, apply and tracking journey. We're speeding things up and putting you in [...]

Scottish Widows: CPD Course – Trusts for protection advisers

Scottish Widows CPD course: Trusts for protection advisers In this 45 minute CII accredited CPD course, we look at the different types of trusts used with protection policies. Click here for more information. [...]

More 2 Life: A historic period for the later life sector

A historic period for retirement planning The later life lending sector has never been as diverse as it is today. New products are frequently entering the market, and current products are being developed to [...]

Golden Charter: Is it time to talk to your clients about ‘you-know-what’?

Talking about death and funerals can be... well... um... er... a little awkward. But, as a trusted financial adviser, you appreciate that sometimes talking about awkward things now can have significant benefits for your [...]

Just: Flexible cashback reduces LTV to get lower interest rate

Case study: Anika Bansal’s story Anika, 60, lives near Hull and wants a smaller property closer to the coast, without moving too far from her family. She’s keen on an apartment in Bridlington and [...]

Best Insurance: Reaches over 1,000 positive reviews

Best Insurance has reached an important milestone, with over 1,000 positive reviews on Reviews.co.uk. As the UK’s leaders in income protection insurance, we pride ourselves on providing outstanding customer service, and this is the result of [...]

The Exeter: Adding value to your protection conversations

We understand how challenging it can be for you to overcome your clients’ perception of protection insurance. For far too long, income protection, in particular, has been an afterthought placed in the ‘too difficult’ [...]

Metlife: Helping you look after clients with active lifestyles

Staying fit and healthy means being active. Whether your clients play football on the weekend or heads to the gym after a hard day’s work, it’s important they protect themselves against accidents and injuries [...]

Vitality Life: Improving mental health in the industry

The protection industry recognises that more needs to be done to support individuals that live with mental health problems, according to Deepak Jobanputra, the deputy chief executive at Vitality. On a recent FTAdviser Podcast, Deepak [...]

British Friendly: Give your clients the ultimate peace of mind against illness or injury

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PaymentShield: UK General joins landlords insurance panel

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Royal London: Why mortgage clients need to consider income protection

When you hear the words ‘mortgage protection’ what do you instinctively think of? You’re probably thinking about life cover or critical illness cover? Or perhaps decreasing term assurance? These are all great ideas and [...]

Scottish Widows: Family finances & retirement hopes can be shattered by dementia

In World Alzheimer’s Month, Johnny Timpson talks about the devastating impact dementia can have on your clients’ family finances and their hopes for retirement. Read now

The Right Mortgage & Protection Network: updated protection rates

We are delighted to share that we have reviewed our protection commission rates on both The Right Protection Panel & Select Panel and I am pleased to share some of the notable increases with you [...]

Royal London: Why some claims get rejected and what you can do to help

Every year insurance providers release their claims paid statistics for the previous year. But outside of our industry, this isn’t really seen as news. There’s a preference in the consumer press for stories about unpaid [...]

Legal & General: “He’s my middle man hero” says client

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The Exeter: Income protection isn’t just for long-term illnesses. We cover flu and chickenpox too!

Income protection from The Exeter doesn’t just cover long-term illnesses for the times when your clients are too ill to work. We cover any illness or injury that stops your clients from working. Viruses can [...]

Royal London: Five year income protection now available on all portals

In April we launched our five year payment option for Income Protection, in addition to our existing options of one year, two years and full term. This full range of payment options, including the new [...]

Cirencester Friendly: Employment rate for women at record high

Last week the Office for National Statistics (ONS) released figures showing that the employment rate for woman was the highest on record at 72.11%. However, Fidelity International reported that a third of woman2, would not [...]

Best Insurance: We’ve made some exciting changes

Best Insurance has updated and launched it's latest platform which is fully mobile compatible. The brand-new platform, designed for customers and brokers looking to purchase income protection insurance in a quick and efficient manner. Using the [...]

The Exeter: Helping the 4.8 million self-employed protect their income

There are 4.8 million self-employed people in the UK, accounting for 15% of the working population1. Many self-employed people enjoy the flexibility that comes with being their own boss. However, missing out on the [...]

LV=: Income Protection that works when your client can’t, or even when they can

LV= know that sometimes it can be hard to translate the value of Income Protection to your clients. That’s why they include a range of value-added features at no extra cost, supporting your clients [...]

April UK – DWP Announcement clears the way for advisers to promote mortgage protection

Last year the Department of Work and Pensions (DWP) confirmed that income from an insurance policy specifically to cover mortgage payments will not be counted when assessing entitlement to means-tested benefits. What does this mean [...]

Join our webinar to discover how our income protection works

Please join us from 10am to 11am on Wednesday 28 August for our next webinar on income protection. How our income protection works Want to know more about deferred periods and payment options? What about fracture cover [...]

Aviva – The cover that goes to work when your clients’ can’t!

What would happen to your client's mortgage payments if they were unable to work due to illness or injury? Help protect your clients from uncertainty by introducing them to income protection, the cover that goes [...]

LV= Personal Sick Pay: designed to protect income for those working in riskier occupations

LV= Personal Sick Pay is our specialist income protection aimed at clients in riskier jobs who can be more expensive to insure, such as tradespeople, nurses, electricians and construction workers. You can also recommend [...]

AIG: Helping your clients leave a gift for their families

Over fifties insurance has become more popular in recent years as funeral costs are continuing to rise1 and people don’t want their families to have to take on the financial burden. They may also be thinking about [...]

Chorley Building Society: Working with The Right Mortgage Network to support older borrowers

Chorley Building Society understands that lifestyles have changed long with the financial needs of borrowers. The Society recognises that the older borrower market continues to grow year on year, and in order to meet [...]

LV=: Giving you the confidence you need when selecting the right provider for their clients

 With the growing popularity of Equity Release and the constant market changes, more and more advisers see lifetime mortgages as part of a holistic financial planning process to help their clients in later life. [...]

Cirencester Friendly: Discover how much your clients could save with member rewards

Whether it’s a meal out with friends, weekly grocery shop, or renewing car insurance, Member Rewards has a deal that could save your clients money. Simply fill in how much they spend monthly or [...]

Vitality Life: The Power of the Plan Account with Serious Illness Cover

Today more people are living longer and surviving illnesses such as cancer, heart attacks and strokes. Every year the number of people surviving cancer is increasing, and over the last 40 years the cancer [...]

LV=: Supporting clients with a 12 month claim period

Income protection specialists, LV=, understand that all your clients are unique and have different needs. That’s why they offer a range of easy-to-understand income protection solutions, designed to help your client protect what matters [...]

Best Insurance: Make the right choice for your clients with carefully designed policies

At a Glance. Make the right choice for your clients with carefully designed policies, underwritten by Lloyds. Take a look at our pricing options here.

Royal London: A support service tailored to your clients’ needs

Helping Hand is the support service your clients automatically get access to with all advised Royal London protection plans - at no extra cost. We helped over 1,000 customers and their families through difficult [...]

Metlife: Anything can happen in a day. Ensure you’re protected

When you have MultiProtect, the simple and affordable cover from MetLife, you can feel confident to live the life you love. Should the unexpected happen, and life tries to throw you off track, we [...]

Vitality Life: Should your serious illness claim payout be based on the impact that illness has on your life?

With VitalityLife, our Serious Illness Cover pays out based on the severity of your client’s condition. This means that your client could receive a payout at an early stage of their illness, even if [...]

Guardian: Double award-winning at the Protection Review Awards 2019

We’re absolutely thrilled to win 2 awards at the recent Protection Reviews Awards. The judges praised us for bringing innovation to the market and striving to make real change. We brought home the Innovation [...]

Cirencester Friendly: Discover how much your clients could save with Member Rewards

Whether it’s a meal out with friends, weekly grocery shop, or renewing car insurance, Member Rewards has a deal that could save your clients money. Simply fill in how much they spend monthly or [...]

Golden Charter: With a funeral plan, your clients don’t need to leave anything to chance

At the risk of stating the obvious, we’re all going to die someday. It’s not exactly a cheery thought. But, if you don’t help your clients to make provision for their funeral costs, you [...]

Best Insurance: Further your knowledge about accident, sickness and unemployment protection

This is a very helpful guide to those who are looking to further their knowledge about accident, sickness and unemployment protection. Click here to view the definitive guide for selecting accurate ASU policies for your [...]

Cirencester Friendly: Read how our Friendly Voice service helps our Members

Our free and confidential service provides tailored advice, practical and emotional support for your clients and their spouse when experiencing difficult times. Julia went to her GP with a mole on her face and [...]

L&G: Are you missing out on the income protection market?

Are you missing out on the income protection market? With the self-employed market booming, it’s estimated that 15% people are now working for themselves. The more people are inclined to work on a self-employed basis, [...]

Vitality: Why is the need for mortgage protection not well known?

Watch the latest CeMap TV panel debate covering the Mortgage Protection Market, and hear the expert opinions of Andy Philo, Vitality's Director of Strategic Partnerships and Employed Distribution. Discussed during the show are key [...]

Vitality Life: Eight out of 10 mortgage holders have no income protection

Many homeowners in Britain are under-prepared in the event of long-term sickness, accident or ill health - with 81% of Britain’s who have a mortgage having no income protection in place1. To help you [...]

Best Insurance: 7 Golden rules for selecting the right ASU policy for your customers

We have released a document that explains the things you must check before choosing your ASU policy. To download the PDF click here. These golden rules will assist you to evaluate whether you are [...]

Scottish Widows: Add to your CPD learning and prepare for change

Watch our CII accredited Masterclass to learn more about the Insurance Distribution Directive (IDD) and how to prepare for the Senior Managers & Certification Regime (SM&CR). Watch now In this recorded Masterclass, our Industry [...]

The Exeter: Going it alone, facing the challenges of self-employment

The number of people opting to go self-employed has been steadily growing every year since 2001. In fact, 15% of the UK workforce is now self-employed. [1] That’s approximately 4.8 million people in the UK [...]

Vitality: Has your life insurance changed your life?

Hear how Vitality helped Chris, aged 27 transform his lifestyle for the better. From takeaways, being overweight and drinking too much, to understanding his health through a Vitality health check and making life changing differences. [...]

Berkeley Alexander: Are you specifying the right items?

According to research from Protect Your Bubble, loved-up Brits are spending an average £1,483 on engagement rings, up by 89% over the previous year. The old-fashioned tradition of spending three month’s salary seems to have [...]

DMS: Mortgage affordability disappears immediately income is interrupted

DMS’ Income Protection Calculator very simply shows how much income protection your Client needs, how soon they need the first payment, and for how long. Go to www.dms4stir.co.uk/advisers/cover-needs/  State Benefits are ignored in the calculation [...]

Vitality: Over £81 million in benefits and rewards given to Vitality members

VitalityLife’s positively different approach to life insurance allows them to protect members when they suffer a life changing event and reward them when they engage with their health. This ensures members experience value from their [...]

Canada Life: £0 completion fee, for a limited time only

We’re pleased to confirm that, following fantastic feedback from the market, we’re extending the completion fee waiver on all Capital Select Options. The completion fee will continue to be reduced to £0 on all Capital [...]

LV=: Giving financial advisers the confidence they need when selecting the right provider for their clients

Chris Smyth – Business Development Manager, LV= Equity Release With the growing popularity of Equity Release and the constant market changes, more and more advisers see lifetime mortgages as part of a [...]

More2Life: Extra support for advisers is more important than ever…

Have you ever spent a lot of time helping a client, finding them the most seemingly perfect financial solution for their needs, and creating a KFI, only for it all to stumble over a [...]

Golden Charter: With a funeral plan, your clients don’t need to leave anything to chance.

At the risk of stating the obvious, we’re all going to die someday. It’s not exactly a cheery thought. But, if you don’t help your clients to make provision for their funeral costs, [...]

Cirencester Friendly: Income protection webinar – overcoming objections

Lets address the elephant in the room Join Paul Shepherd our Key Account Manager, to help overcome objections you may be faced with, when speaking about the ‘elephant in the room’, income protection. He [...]

The Exeter: A real life story to bring the need for income protection to life

A real story to bring the need for income protection to life Alex’s story We are dedicated to changing the face of insurance for the better. We’ve just released a real-life claim story about [...]

LV: Helping you to support small businesses with gold-rated Business Protection

While SMEs make up 99% of the UK business landscape, many overlook the need to protect their business and the people within them. We want to help you reach more small businesses, so we've [...]

Legal and General: Agrees sale of general insurance business to Allianz

This morning we announced the intended sale of the general insurance (GI) business to the Allianz UK Group (Allianz), subject to regulatory approval. GI will become part of Allianz and the business will then [...]

Scottish Widows: Our commitment to a clear and supportive claims service

Our commitment to a clear and supportive claims service As part of our commitment to provide a clear and supportive service to protection claimants, we have signed up to the Protection Distributors Group Claims [...]

AIG: Simple underwriting – more accessible than you think

Underwriting has changed in recent times and there are now many different routes available to suit your clients. Read our latest blog where Underwriting and Claims Strategy Manager, Helen Croft, discusses how simple underwriting can [...]

British Friendly: Confidence in recommending British Friendly Income Protection

At British Friendly, we appreciate there are lots of providers with Income Protection solutions. We are grateful for your support, and for you trusting us with your clients. Providing excellent service for your clients [...]

Paymentshield: Now you can see even more detail around your Paymentshield policies

To give you more information and transparency around your individual GI performance, your unique Adviser Hub dashboard now provides even more information about your GI business. You can now see a breakdown of the [...]

Golden Charter: Talking about funeral planning doesn’t need to be all doom and gloom

Raising the subject of death and funerals in a client meeting can seem like a bit of a ‘downer’. But, in reality, it’s no more difficult than bringing up the topic of life cover. [...]

Legal and General: Improvements to our income protection benefit plan

I am pleased to announce that the improvements to our Income Protection Benefit plan were successfully deployed last weekend. Summary/Key points L&G continue to improve our IPB plan and remain focused on delivering changes [...]

Best Insurance: Accidents happen. Ensure that your clients are protected

Accidents Happen! Ensure that your clients are protected More accidents happen at home than anywhere else. Every year there are approximately 6,000 deaths caused by accidents at home, and another 18.5 million visit A&E [...]

The Exeter: Manage stress with mental health support from HealthWise

Manage mental health with HealthWise As Bob Hoskins said in an old advert, ‘it’s good to talk’. This statement has never been more true, with 1 in 4 adults now suffering from mental health [...]

Cirencester Friendly: Could your client live off Statutory Sick Pay?

The average weekly income in the UK is £454.922 after Tax and National Insurance, yet Statutory Sick Pay (SSP) is just £94.251 per week. This could leave an ‘income gap’ of £360.67 per week [...]

LV: Supporting small businesses with our gold-rated Business Protection package

With sole traders or proprietors accounting for 59% of the business population, small businesses represent the backbone of the UK economy. We're committed to giving advisers all they need to protect small businesses, through [...]

Vitality Life: Offer your clients an Amazon Echo Dot for £0, plus an Amazon Smart Plug

You can now offer your clients an Amazon Echo Dot for £0, plus an Amazon Smart Plug when they join Vitality From 22 April to 30 June 2019 inclusive we are offering all new [...]

AIG: Bowel Cancer: Let’s talk about ‘embarrassing symptoms’

It might surprise you to know that bowel cancer is the second biggest cancer killer in the UK1 and accounted for 3% of AIG Life’s critical illness claims last year2. To mark Bowel Cancer Awareness [...]

Legal & General: Improvements to our Intermediary Product range

Objective and action required To inform you of the improvements we will be making to our Intermediary Product range (Life/FPIP/IPB/RLP) plans sold through the intermediary channel only, effective from 12th May 2019. Summary/Key points [...]

Royal London: We’ve launched a new 5 year payment option on all our IP plans

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 [...]

Cirencester Friendly: To us financial advisers are names not numbers

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 [...]

Canada Life: Introducing our Equity Release Lead Generation Workshops

We're thrilled to introduce our upcoming series of Equity Release Lead Generation Workshops, which have been designed with experienced equity release advisers in mind. Do you want to grow your equity release business? With [...]

Just: Reduction to the minimum loan size on our interest servicing option

We will be making a change to our interest service option on our Just For You Lifetime Mortgage. For those customers who choose to service some or all of the monthly interest amount, we [...]

Cirencester Friendly: Effective marketing to help grow your income protection business

At Cirencester Friendly, we provide various resources to help you market your income protection business. Our comprehensive Sales Tools & Literature Page, includes a range of documents with all the information you need, to [...]

Legal and General: Don’t miss out. Watch our webinars today.

Don’t forget we are still offering our pre-recorded webinars on Income Protection Benefit and Critical Illness Cover. The webinars offer the following. CIC- covers CIC and CIC Extra in greater detail, with a few [...]

British Friendly: How we’ve improved our Quote and Apply system

We’re always looking to improve our online quote and apply journey to make it easier for you to arrange cover for your clients. Based on feedback we’ve received, we’ve made a number of new [...]

Aviva: Unveils wide-range enhancements to its protection platform

Following adviser feedback, Aviva has introduced a number of enhancements to it’s Protection Platform (ALPS), to give The Right Mortgage Network advisers and your clients more flexibility, speed and control when generating quotes and [...]

Cirencester Friendly: How many Self-Employed workers do you think there are in the UK?

Did you know in the UK there are 4,844,155[1] Self-Employed workers? Financial fears can cause concern when you’re your own boss, especially if you haven’t got a safety net to fall back on if [...]

LV=: Protecting your clients’ health with enhanced LV= doctor services

We’ve taken the time to understand what matters most to your clients and how we can best support them beyond their policy, which is why we’ve added Remote Psychological Services, at no added cost, [...]

Aegon: Explore our new flexible business protection application options

We’ve been busy making some improvements to our business protection offering. With our new streamlined online application process, there’s more opportunities for you to receive an immediate online decision – so you can get [...]

Legal and General: Improvements to our Income Protection Benefit plan

We will be making to our Income Protection Benefit (IPB) plan sold through all applicable channels, effective from 12th May 2019. Summary/Key points L&G continue to improve our IPB plan and remain focused on [...]

Cirencester Friendly: Why not share our informative fact sheet with your clients today?

Why not share our informative fact sheet with your clients today? At Cirencester Friendly, giving our Members peace of mind is all that matters. With over 125 years’ experience – and plenty of awards [...]

Canada Life: Make big changes to their critical illness proposition

In 2018 there were very few insurers that did not make changes to their critical illness proposition. So far 2019 has been relatively slow in comparison, however today sees Canada Life making their long-awaited [...]

Aegon: Explore our new flexible business protection application options

We’ve been busy making some improvements to our business protection offering. With our new streamlined online application process, there’s more opportunities for you to receive an immediate online decision – so you can get [...]

Canada Life: Make big changes to critical illness proposition

We're delighted to announce that we've enhanced our Individual Protection products. Our products have been upgraded to include: More conditions - over 30 illnesses added to our critical illness policies New advance payments for patients [...]

Cirencester Friendly: 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 hazardous pursuits Guaranteed Premiums with a choice of Level or Annual [...]

Vitality Life insurance: Dispelling three of the most common insurance myths

First time buyers make up 81% of purchases on the Help to Buy Government Scheme1 – but how many purchase mortgage protection? VitalityLife have looked into dispelling three of the most common insurance myths. [...]

Aegon: Make sure you’re ready for launch

On Monday 25 March, we’re launching a series of exciting business protection improvements, including: a new streamlined online application process; product upgrades; underwriting improvements, and adding new resources to our business protection toolkit. Make [...]

Buckinghamshire Building Society: Solutions for Older borrowers

In 2020 - 11.98m people will have reached state retirement age and currently 75% of the UK’s housing wealth is held by people aged over 50… We understand that more business is coming from [...]

One Family: Discover our Serious Illness Benefit with Over 50s Life Cover

Our Serious Illness Benefit could give your customers a financial boost when they need it most It's been a while since we have communicated with yourselves. So, we thought it might be worth reminding [...]

Vitality Life: A Mortgage Plan with Serious Illness Protector

VitalityLife’s Mortgage Plan with Serious Illness Protector covers your clients for 145 conditions, paying out in full for 77 conditions1. That’s more than any other provider! Creating peace of mind for your clients in [...]

Royal London: The importance of protecting a property portfolio

Landlords - like any other business owner - need to make provision should the very worst happen, to protect their families and their lifestyle. I have worked in financial services for over 25 years, [...]

Aviva: Relevant Life – the difference is still significant

Like other relevant life insurance products, ours provides a tax efficient death-in-service benefit for business owners and key employees. Our cover offers employee significant illness cover – a unique option which pays out if an [...]

Royal London: We’ve improved our critical illness definitions

Technology is constantly evolving – so we’ve updated our CI definitions to keep up with the times. This evolution is happening in everyday life - for example I can’t imagine my life without having an [...]

Cirencester Friendly: Financially prepare your clients for the unexpected

Check out the new Health and safety at work - Summary statistics for Great Britain 2018. Here are just a few of the figures that shocked us! 30.7m* working days were lost due to work [...]

British Friendly: How we support your clients all the way through their recovery

At British Friendly, we’ll always be there to support your clients financially if illness or injury ever leaves them unable to work. Take Neil for example. Neil is self-employed and owns a Bathroom Fitting Company [...]

Vitality Life: Introducing Vitality’s new Dual Deferred Period Calculator for Income Protection

Employer’s sick pay schemes will not always meet the needs of your clients’ lifestyle. This is where income protection can help bridge that gap. VitalityLife’s Short-Term, Primary and Comprehensive Income Protection plans have been designed [...]

Shepherds Friendly: Business Development Team goes from strength to strength

Shepherds Friendly Society are pleased to announce the addition of two new members, Charlotte Fowler and Kate Whelan to their expanding Business Development team and the promotion of Laura Hassall to her new role as [...]

Cirencester Friendly: Medical Queries? Talk to our Underwriting Team

Do you have a client who has an unusual occupation or a complex medical history? Speak directly with our Underwriters to get the answers you need before completing the application. During office hours you [...]

L&G Mortgage Club: Attract new clients with our promotional tools

With our new Income Lifetime Mortgage TV campaign now live, we’ve created a range of tools and white label materials to help you attract new clients - See our new marketing templates Many people tell [...]

LV=: Extended and improved lifetime mortgage underwriting criteria

Equity release is no longer seen as an option of last resort, which only a handful of advisers consider for their clients, but now forms part of holistic financial advice. Due to the increasing levels [...]

The Exeter: Quality and affordability for all, without compromise

Ill health doesn’t discriminate by occupation, age or income Whether a lawyer, teacher or carpenter, the everyday lifestyle choices made by your clients have a direct influence on both their current and future health. In [...]

British Friendly: How we’re improving the added services we offer to your clients this year

At British Friendly we offer Mutual Benefits, a discretionary loyalty programme packed full of useful benefits to help your clients save money, access private healthcare services and even create Wills and Powers of Attorney at [...]

Cirencester Friendly: Let us, help you recommend income protection

As a Friendly Society we are there for our Members, therefore, we want to help you, help them! We have a variety of tools to help recommend the importance of Income Protection to your clients. [...]

Cirencester Friendly: Sometimes all you need is a Friendly Voice

We know that apart from financial concerns, illness and incapacity can also bring emotional worries for your clients and their families. That is why we offer our ‘Friendly Voice’ service. A free and confidential service provided by [...]

The Exeter: We understand that life can change in an instant

Winter brings darker evenings, less sunshine and perhaps less opportunity to go for a simple walk. These things can be contributors to happiness and keeping healthy, and your clients rely on good health to be [...]

Royal London: A CPD hub to help you meet your development needs 

A CPD hub to help you meet your development needs  We want to help you meet the challenges of the new Insurance Distribution Directive (IDD) requirements. That’s why we’ve launched a new online CPD hub [...]

Source: Whisk your loved one away with £500 to spend at Thomas Cook

With Christmas now a distant memory, thoughts turn to the next event in the calendar, Valentine’s Day; a day where we show our appreciation for our significant other. Our latest giveaway, GI plays Cupid, will [...]

Vitality: A simple yet comprehensive mortgage plan for your clients

Buying a house can be stressful – dealing with solicitors, mortgage, packing, moving and the rest. Buying protection shouldn’t be – that’s why we’ve introduced our new Mortgage Plan, providing simple yet comprehensive mortgage protection. [...]

Royal London: Tools and support to help you stay in front

Protection take-up in the UK is very low. Our research shows that just 35% of people have life insurance, 12% have critical illness cover and 9% have income protection.* And yet many people recognise it would be beneficial to have [...]

Cirencester Friendly: A safe way to insure your clients’ earnings

This comprehensive product gives your clients a range of features, such as a wider choice of deferred periods, an increased maximum benefit level of £52,000 p.a., guaranteed insurability options for lifestyle events, improved relapse benefit, [...]

Scottish Widows: TECHTALK – Mortgage protection breakthrough: new welfare disregards

Timely payment of protection death claims can be achieved via modern claims processes, joint life first death or life of another policies. Trusts are the traditional solution – but need to be used correctly. We [...]

AIG: Helping you introduce the Guaranteed Over Fifties Plan to your clients

Our Guaranteed Over Fifties Life Plan was designed to provide peace of mind. Helping customers to cover the cost of their funeral, leave a small legacy for their loved ones and provide a safety net [...]

Buckingham Building Society: Options for Later Life Lending

Having been one of the first lenders to remove our maximum age limit, we have been lending into and in retirement since 2010. During that time the later life lending market has changed significantly. The [...]

More 2 Life: Get the right help in the fastest time possible

To help you with your equity release business and when you have a query that you need resolving, contacting the right people helps us, help you quicker. Who to call... Your dedicated Broker Support [...]

The Exeter: Statistics show an increased necessity for life cover

The number of people living with serious or multiple health conditions is increasing. Most people know someone who has been affected by a sudden disease or injury that changes everything – with conditions such as [...]

AIG: An afternoon with bereaved children and an All Blacks legend

'Bereaved children and a rugby-playing legend is an unusual pairing, and not one I expected to experience when I started at AIG Life six months ago.' Our latest blog sees Caroline Topps, Marketing Manager for [...]

Cirencester Friendly: Are your clients financially prepared for 2019

“Two in five don’t think Statutory Sick Pay is enough to live on.” * Ask your clients, would they survive on Statutory Sick Pay of £92.05 a week if they could not work due to [...]

Aviva: Open the door to better equity release conversations

Watch our free CPD-accredited video for 14 top tips As you know, a lifetime mortgage can truly transform a customer’s life. But helping clients to understand that – and finding them in the first place [...]

Family BS: Enhances terms for inter generation mortgages

Family Building Society has enhanced their lending criteria to allow up to two owner occupiers for all Joint Mortgage Sole Owner (JMSO) applications. JMSO enables additional borrowers (such as parents) to join in a mortgage [...]

Scottish Widows: Nine in ten Brits in danger of financial hardship

New research from Scottish Widows shows nine in ten Brits in danger of financial hardship should serious illness strike. We’re more likely to insure our mobile phones than our health – 12% of UK adults [...]

AIG: Protecting your tomorrow – Insurance for cancer survivors

The number of people being diagnosed with cancer is rising - but so is the number of people surviving it. There are a growing pool of people who’ve survived and are living normal, healthy lives. [...]

Cirencester Friendly: Success at COVER Customer Care Awards 2018

We are delighted to announce that in this year’s COVER Customer Care Awards, our very own Victoria Clark, Marketing Assistant was awarded ‘Young Insurance Person of the Year’ and Jo Green in the Customer Care [...]

LV=: Fracture cover comes as standard with LV= Income Protection

LV= believes everyone should be supported with quality financial protection that pays out when it matters, which is why they include fracture cover with their Income Protection at no extra cost. Fracture cover automatically included [...]

Vitality: Business Protection, what’s really important?

With a shortfall in the market of £1.35 trillion[1] the Business Protection gap represents a huge, untapped opportunity for advisers. Rewards in this area have the potential to be significant too, with larger premiums and [...]

Cirencester Friendly: Award winning income protection & service

Thank you to all that voted for us in the Investment Life & Pensions Moneyfacts Awards 2017! We are thrilled to have been awarded Highly Commended for both Best Income Protection Provider and Best Protection [...]

Cirencester Friendly: £30.42 per month income protection cover until retirement

Thomas is covered with My Earnings Insurance, are your clients? Thomas a budding builder took out My Earnings Insurance, an income protection contract with Cirencester Friendly at the age of 25. He has £1,000 a [...]

LV=: “It’s like Apple designed a quote and apply system”

LV= Fastway is our interactive quote and apply system that's quick and easy to use. Reflexive questioning means we only ask what's needed for each client, meaning more instant decisions and helping you recommend quality cover without unnecessary [...]

The Family Building Society: Lending to your older and retired clients

There’s no such thing as ‘normal’ clients these days. You know that and so do we. It’s why we offer mortgage solutions that work for everyone. We’re human and understand that people are [...]

Unisure: Become “GI Elite” – here’s how to get ahead this winter

Watch our webinar on how to have a successful end to the year Last week we revealed our Become "GI Elite" campaign, which is all about helping our brokers get ready for the busy winter period.October [...]

Cirencester Friendly: Tell your clients about My Earnings Insurance!

My Earnings Insurance is everything you would expect and everything you wouldn’t Tell your clients about My Earnings Insurance! Flexible, affordable and available to a wide range of occupations, it’s everything you’d expect from an [...]

Vitality: Show clients the need to protect their income in 60 seconds

Income should be the first thing that people look to protect. But we seem to protect everything except our income; from cars to phones, to pets and even household appliances. Something often overlooked is how [...]

Cirencester Friendly: What is the Friendly difference for you?

Personal service to make your life easier    There are many reasons to choose Cirencester Friendly, from our award-winning income protection and 4 Star Defaqto rated products to the fact we have paid 94% of claims, [...]

Aviva: Friends Life has now moved to the Aviva brand, find out what this means for you and your clients

We're now one brand In our email to you on 28 April 2017 we detailed the proposals, process and timeline to deliver a single brand. We're pleased to announce that from 1 October 2017 we [...]

2019-10-25T09:31:49+01:00

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The Right Mortgage and Protection Network

St Johns Court , 70 St Johns Close, Knowle, West Midlands, B93 0NH

Phone: 01564 732 749

Using a Satnav? Please use postcode: B93 0NN to locate the office when visiting.

Testimonials

Like the friendly can do approach, keep it up!
Michael McGuiness, Adviser
My experience with TRM so far has been excellent I can’t tell you how much you guys have lifted me since March. The positive approach shown by everyone to get the business on and to get the commission paid is up lifting. What a breath of fresh air, great Network and fantastic positive attitude.
Andrew Smith, Adviser
You are a wake up call to this market and a revelation compared to my previous network.
David Levy, Adviser
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