Hello everyone and welcome to my Friday afternoon protection update.
So, if you tuned in last week, I gave you a heads up about our new ‘Protection Focus’ workshops which will take place each month.
I’ve managed to secure the first set of dates now and I can announce that August 2nd (which is a Monday) and August 4th (which is a Wednesday); we will be running a Protection Focus workshop which is called “Trusts made Simple”.
We’ve had a lot of feedback about Trusts and it felt appropriate to start with this subject.
It’s going to be different to what you will have seen before.
Personally (and this is just my own take having been on the protection circuit) for many years; I think the industry (and in particularly life companies) haven’t done as well as they should have in terms of helping advisers actually get the job of writing protection policies into Trust.
Very often the subject gets over complicated with technicalities rather than focus on the objective. And that can very unhelpful if you’re an adviser that needs to develop your confidence
When you look at all the providers – they don’t really talk to each other – which is why we’ve ended up with a situation where the various trust propositions are different and there are things you can do and things you can’t do on various different forms.
So, the plan is; we’re going to cut through all of that.
We’re going to keep it really really simple.
We’re going to look at the subject of Trusts purely against our typical clients. We’re not going to look at situations we can’t get involved in.
We’re going to look at how we can explain the true benefits to our clients. That means we’re going to take the job of translating something which might be complicated into something the client can understand – and that’s going to really help sell some of the true benefits of working with an adviser.
So the objective there is that we’re going to focus on what we need to get the job done and that’s going to help build our own confidence.
And as part of this workshop, I’ve written to various life providers and given them a strict provider brief. That means we want to be clear about what we want from them – which is to help us understand how to write a policy into Trust using one of their Trust forms, or it could be their online process (if they have one).
The key objective (and you’ll see this throughout the session) is that it’s all about boosting our knowledge and confidence.
We will tackle some of the more niche and technical areas on later sessions, but there’s really no reason why many more clients shouldn’t have their policies written into trust… it’s ridiculous when you see what could happen in the event of a claim…
But again, this is going to demonstrate one reason why you’re so important – is that clients DO NOT write policies into Trust without an Adviser – it just doesn’t happen.
So, I think it’s going to be a really good session. It’s 10 till 12noon and you’ve got the choice of 2nd or 4th August. If we’re getting to capacity on these dates, I’ll put an extra date on the following week.
The registration links for these dates are both on the protection update so you can click on them now and secure your place!
Links to registration pages:
August 2nd – Keeping Trusts Simple (Protection Focus Workshops)
August 4th – Keeping Trusts Simple (Protection Focus Workshops)
MetLife increased commission and new Protection Insight podcast
Now I mentioned this a couple of weeks ago when we launched the first of 2x MetLife protection insight podcasts that we’ve increased the commission for MetLife products.
If you’re familiar with MetLife or if you watched the ‘MortgageSafe’ podcast, you’ll know these are unusual protection products and there isn’t really anything out there which is comparable to them.
MortgageSafe is a type of income protection plan – and MultiProtect is a type of fracture cover with lifestyle bolt-ons.
When you look at product persistency; these plans are quite sticky and they are far less likely to be replaced by an alternative product.
So, I’m pleased to announce that the commission has increased for MetLife products has increased by 60% up to from 100% to 160% of API – and this is now over a 4-year earnings period rather than 2. So, you can take a look at the commission tables for confirmation of that which is really good news.
MetLife Podcast – MultiProtect
In this second podcast we recorded with Bonnie at MetLife, we’ll take a look at Multi Protect which is a really good lifestyle type protection product. Quite unusual but easy to quote and easy to apply.
Watch the full Protection Insight Podcast with MetLife – here
Putting Protection on the Agenda
Now we’ve closed the protection survey 2021 and there have been some very interesting bits of feedback (which I’ll share with you next week) and something we saw quite lots of feedback comments about was protection sales skills.
I mentioned this last week that each month, we’re running a skills and process workshop and this takes place after each induction course. It’s called “Putting Protection on the Agenda”
It’s not prescriptive or dictatorial – it’s just good ideas that you can build in to improve your own sales process and we know these ideas work, because we’ve seen advisers use them to really great effect.
Advising, Recommending & Selling Protection works best when you’ve got a process you work to and a process that works for you.
It’s about how you position things. Keep things simple so the client can understand the problem in order to buy into the solution.
We’ve had really good feedback so far and I’d like to offer you the opportunity to attend one of these next workshops. Or, if you’re a business principle – perhaps you want to nominate one of your advisers.
These workshops are not advertised in the same way, so IF you do want to register, all you need to do is send me an email and I’ll register you for the session.
The next ‘Putting Protection on the Agenda’ workshop will be Friday 15th July – 10am to 12:30 noon.
Drop me an email if you’d like to register.
So that’s it from me… have a great weekend and I’ll speak to you soon.
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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 – 2nd October 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: Paymentshield provide an [...]
Royal London: How financial advice improves emotional wellbeing
When it comes to delivering better outcomes for customers, Royal London believe financial advice can be game changing. To help bring this to life, Royal London have created a new research report which explores [...]
The Exeter: Introducing the ultimate conversation starter
“I’m fit and healthy”, “I’ve got savings”, “I can’t afford it”, “I’ve got life cover”… Demonstrating the value of income protection insurance (IP) can be challenging, especially if a client doesn’t believe they need [...]
LV= Flexible Protection Plan: Looking after your clients and their family in the moments that matter
Did you know that a couple in their 30’s have a 52% risk of either of them not being able to work for 2 months or more?1 This would cause a huge financial strain, [...]
Scottish Widow: Extraordinary efforts in a challenging year
We’ve all had to adapt to new ways of working in recent times. Gary Burchett, our Protection Director, reflects on our response to supporting you and many of your clients throughout the uncertainty of [...]
Aegon: Protection Matters – Exactly what you need for protection
If we’ve learnt anything over the last few months, it’s that the future’s unpredictable. The coronavirus pandemic has placed financial resilience firmly in the spotlight, providing you with an ideal opportunity to discuss protection [...]
British Friendly: Have you heard about our Adviser Toolkit?
Thought.. Have you heard about our Adviser Toolkit? Call to Action! Helping you position the need for IP cover with your clients, our online Adviser Toolkit is the perfect place for sales tools, learning [...]
Cirencester Friendly: Did you know that your clients can add My Extra Benefits to their income protection contract?
Did you know that your clients can add My Extra Benefits to their income protection contract? My Extra Benefits comprises of two features; Fracture & Hospitalisation Benefit - £4 a [...]
Vitality pipeline business notice
Please note that applications and quotes made prior to our Launch changes (3rd October 2020) can be activated in their current form if no changes are made, even with removed benefits. Quotes on our [...]
Aviva – Coming soon: Aviva DigiCare+
At Aviva, we believe looking after protection customers goes further than simply offering a policy. That's why later this year we're introducing Aviva DigiCare+, a new smartphone app powered by Square Health, to help [...]
Legal & General: Add new plans to income protection proposition
Legal & General have offered low cost and comprehensive products in the critical illness market for some time now, however have only offered one income protection option (rental aside). Today they have changed this [...]
Paymentshield: System outage update – 30/09/2020
Despite working through the night, Paymentshield were unable to restore service last night as they had hoped for but continue to do everything they can to get back up and running as soon as [...]
Cura: The Practical Protection Podcast: Emma Thomson – A Breast Cancer Journey
Hi everyone, this week I am chatting to Emma Thomson, Product Strategist at British Friendly. Last year Emma was diagnosed with breast cancer and she is joining me on the podcast [...]
Weekly Protection Update – 31st July 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: LV= cover their [...]
Paymentshield: Live webinar series in August and September 2020
REGISTER FOR PAYMENTSHIELDS UPCOMING LIVE WEBINARS Following the success of their on-demand webinars, Paymentshield are continuing to support you in becoming a GI genius by hosting 5 live webinars over the coming weeks. The [...]
Scottish Widows: Providing peace of mind to clients
Read our latest article from our Head of Claims and Underwriting Strategy, Scott Cadger, highlighting the need to dispel customer myths about the need for protection, especially in these unprecedented times. Find out more [...]
Understanding MetLife’s MultiProtect Wellbeing Support Services
Wellbeing is becoming increasingly important in our day to day lives, so it's vital for your customers to know what they have access to when they become a MultiProtect policyholder. We’ve partnered with Health [...]
LV=: New child-specific Critical Illness cover made for families
Earlier this year LV= made changes to its Life and Critical Illness cover, available through their menu plan, the LV= Flexible Protection Plan, to better protect your clients and their families during life-changing events. [...]
Source: Listening to your needs and navigating the new normal
From listening to broker’s needs and concerns as we navigate the “new normal”, Source Insurance is keen to address the growing desire for personalisation, coupled with quality service and support. We have therefore aligned [...]
Cirencester Friendly: We are delighted to be Winners of the What Mortgage Awards 2020 ‘Best Financial Protection Provider’.
Our My Earnings Protected income protection contract could be ideal for your clients, whether they are employed, self-employed, renting or have a mortgage. With no loadings for occupation, smoking or hazardous pursuits, My Earnings [...]
Vitality: Your clients can enjoy Vitality at Home rewards for a little longer.
Your clients can enjoy Vitality at Home rewards for a little longer. Vitality are extending the availability of their Vitality at Home rewards, this includes the Coffee at Home benefit with Caffè Nero, the [...]
Weekly Protection Update – 24th July 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: The Exeter release [...]
Cirencester Friendly: Giving you confidence to entrust your clients to us
In 2019 we paid 95.7% of claims, which totalled almost £5.9 million in benefit. Sadly, some claims were rejected for the following reasons; inability to either provide proof of earnings or medical evidence, no [...]
Berkeley Alexander: Important Information regarding Property Insurance and useful PDFs
We are writing to you in connection with any of your clients whose Home or Landlord Buy-To-Let insurance are held via us, to update you on the position should the insured premises remain unoccupied [...]
LV= Flexible Protection Plan: Now with FIB and CI children’s cover enhancements
The LV= Flexible Protection Plan provides a range of quality cover for your clients and their families, with additional services for emotional and practical support in the moments that matter. It already includes our [...]
Royal London: An adviser’s experience of a claim
Listen to our latest podcast In our latest podcast, Ryan Radford, Managing Director of Zebra Mortgage Centre, talks to us about his experience of making a successful claim on behalf of a client - [...]
Scottish Widows: Providing peace of mind to clients
Read our latest article from our Head of Claims and Underwriting Strategy, Scott Cadger, highlighting the need to dispel customer myths about the need for protection, especially in these unprecedented times. Find out more [...]
Cura: The Practical Protection Podcast – Cancer & Insurance
Season 2 is in full swing, and I’m delighted to bring you episode 3, featuring my special guest Leo Miles. Leo works for Macmillan Cancer Support and spends her time fighting for equality for [...]
The Exeter: Our Cover Magazine eBook is now available!
We’ve teamed up with Cover magazine to launch an interactive eBook focusing on our latest income protection research, "Ill Prepared – the self-employed financial resilience report." Providing valuable insights, it includes: A focus on [...]
Weekly Protection Update – 16th July 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 highlight the [...]
Aegon: Gender gap when it comes to financial wellbeing
Aegon’s latest research into financial wellbeing1, carried out in December 2019, found that money worries are a key cause for concern for 76% of women compared to 72% of men. Worryingly, 33% of female [...]
Holloway Friendly reintroduces four-week deferred IP
In March, Holloway Friendly withdrew one-week and four-week deferred periods at a time when the impact of Covid-19 was unclear. As the infection rate has fallen, the friendly society has re-introduced a four-week deferred [...]
Aviva: Children’s CI: Helping start the tough conversations
In 2018 we paid out £5,003,838 to 264 Aviva Critical Illness+ and Life Insurance+ with critical illness cover customers when their child was diagnosed with a critical illness. We want to make sure that [...]
Royal London: Learn more about the Coronavirus Business Interruption Loan Scheme (CBILs)
Register now for our next webinar Join us on Thursday 23 July at 13:30 where one of our Corporate Protection Specialists will talk you through CBILs, what this means for small business owners, and [...]
Cura: CuraVision The ABCs – HIV
In her latest CuraVision The ABCs, Kathryn talks about Hannah*. Hannah came to us because she had recently taken on a mortgage with her partner and wanted to make sure that she had life [...]
Uinsure: Reintroduction of landlords legal and rent protection: 1st August
We are looking to reintroduce the LL Legal and Rent Guarantee product back into our portfolio for New Business from 1st August. The main change is that Rent Guarantee will now become a choice [...]
Legal & General: General insurance learning & development and changes to our nurse screening and examination provider
General Insurance Learning & Development - Chartered Insurance Institute e- learning academy workshops July – September 2020 Here at Legal & General our Learning & Development Team work closely with our partners to help [...]
VitalityLife: Protecting what’s most important to you
We all know life’s not predictable, and for Emma and Nick this was the certainly the case when their five month old son was diagnosed with cancer. Hear more about their story and how [...]
Scottish Widows: Covid-19, Financial and mortgage resilience, and the need for a protection ‘plan-b’
When you consider recent mortgage welfare safety-net reform, Johnny Timpson’s latest blog looks at why mortgage holders are in need of a protection ‘Plan B’ now more than ever. Find out more [...]
Paymentshield: 22% pricing discount, 3-month payment holiday and changes to our Rent Protection Optional Extra
22% PRICING DISCOUNT Paymentshield have introduced a new 22% pricing discount for any remortgage, product transfer or equity release clients on their Defaqto 5 Star Rated Home Insurance. Find out more about this offer [...]
Weekly Protection Update – 10th July 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: The Exeter release [...]
LV= Protection refreshinars
Due to the huge success of our webinar program, we’ve launched a further 3 weeks in the series, starting from Tuesday 7th July. LV= Protection Refreshinars are here to provide you with skills based how-to's [...]
Scottish Widow: Protection special edition of Techtalk
Get the latest technical support in our Protection special edition of Techtalk. Read now
OneFamily Over 50s Life Cover update
We have simplified our over 50s insurance product and made it more customer focused. Simple and flexible In response to customer demand we are delighted to offer a new benefit which means that customers [...]
The Exeter: 35 minutes CPD – Practical marketing to ensure your business thrives
Rostrum is an award-winning marketing agency working with financial services companies. They have produced this CPD video, ‘Practical marketing to ensure your business thrives' for protection and healthcare advisers on behalf of The Exeter. [...]
VitalityLife: Protecting what’s most important to you and limited time offers to kick-start your client’s journey
We all know life’s not predictable, and for Emma and Nick this was the certainly the case when their five month old son was diagnosed with cancer. Hear more about their story and how [...]
Zurich: Fracture cover can be added to your client’s Personal Protection or Income Protection policy
Our fracture cover can be added to your client’s Personal Protection or Income Protection policy at a fixed cost and free of underwriting. It covers broken bones, dislocations as well as ligament ruptures and [...]
New Ebook Magazine from Legal & General
We've teamed up with Cover Magazine to produce an interactive digital guide to income protection for advisers. Inside you will find sales tips and tricks, expert opinion and plenty of visual takeaways you can incorporate [...]
Royal London: Has your advice changed a life? And improving the client journey
We'd like to hear your story At Royal London we remain committed to supporting the adviser market; steadfast in the belief that financial advice has the power to change lives. That’s why we’re always [...]
iPipeline: New to SolutionBuilder: Non-Medical underwriting limits
Wouldn't it be great if you could view provider's non-medical underwriting limits at the quoting stage, helping to speed up the application process and set your client's expectations? Well... now you can! This feature [...]
Weekly Protection Update – 3rd July 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: CanadaLife have extended [...]
Aviva: Add renter specific options to income protection and new claim initiatives
Generation rent is a term regularly to describe the increasing number of renters in society today. Whilst the term generally refers to the volume of young adults who rent due to high house prices, [...]
Paymentshield cut Home Insurance pricing to help energise your business
To help energise your business, Paymentshield are offering a22% discount our remortgage, product transfer and equity release prices.* The approach is designed to enable advisers to accelerate a steady and recurring income stream even while [...]
CanadaLife: We’ve extended the £0 completion fee on our Capital Select Options
We've extended the £0 completion fee on our Capital Select Options. We're pleased to confirm that we've extended the completion fee waiver on our Capital Select Options until 30th September 2020. Don't forget, our [...]
The Mortgage Lender: Did we tell you we’ve reduced completion fees on large loans?
These may be mad and unpredictable times, but it’s still business as (un)usual at TML HQ — and we’re staying focused on finding ways to back your BTL clients. Here’s the latest: reduced completion [...]
Royal London: Our personal and supportive claims experience
Support for you and your clients New conversations starter infographic – Helping advisers initiate the protection conversation by breaking the process down into three simple stages. 2019 claims figures – Our claims stats [...]
Legal & General: Claims magazine and future proof your home
Our claims statistics are more than just numbers. They represent real people with real stories who we are able to support because of you. Learn more Spring/summer this year looks [...]
LV= More than just an insurance policy
With the current uncertainty in the world, LV= understands the extra strain this will be putting on you and your clients. Their value added services can help every client who is (covered by) one [...]
Scottish Widows: Protection special edition of Techtalk
Get the latest technical support in our Protection special edition of Techtalk. Read now
