Weekly Protection Update – 6th August 2021

Weekly Protection Update – 6th August 2021

Protection Update 6th August 2021

Hi everyone and welcome to this week’s protection update.

It was great to see many of you at our ‘Trusts Made Simple’ workshops earlier this week.

Remember, we still have another ‘Trusts Made Simple’ workshop on Wednesday 25th August so if would like to attend you can register using the link on this protection update.

I know one or two of you registered for the sessions this week but didn’t manage to come along so if you did miss out; you can book a place on our last workshop on 25th August – there are still places.

Register for Trusts Made Simple on 25th August 2021 >>

Trusts made Simple – speeding up claims?

So how can we make the job of writing protection policies into Trust more simple?

Well, if we look at it primarily in terms of setting up the right type of outcome we need for our clients; what needs to happen when the life assured of a life assurance policy dies during their policy term?

Well let’s look at the family and what they need.  They are probably going to be grieving but the tap to a major source of income has just been switched off forever.

So, do they need the money?

Good news – they are entitled to receive the proceeds of the life assurance policy and probably, yes, they do need the money.

When do they need it?  ASAP?

But what length of time would you say is unreasonable in terms of waiting for the proceeds of a life assurance policy to be paid out?

That’s an interesting question… just think about it for a second… You’re actually entitled to say £250,000 from a life assurance policy.  How long should you wait?  a week?  a month, several months? a year?  More than a year?

How long is too long to wait?

Well, claims for single life policies not written in trust will need a death certificate (shouldn’t take too long to get that)… a claim form (again, shouldn’t take too long)… maybe the policy document (should have that) and the grant of probate or certificate of confirmation if you’re in Scotland.

That’s the thing that many people don’t realize they need.

The process of obtaining a grant of probate can take months to complete and until this is done, you won’t be able to give the life company everything they need to complete the claim process.

And that means you could be waiting for quite a while for the claim to be paid out.

Co Operative Funeral services say that probate can take between 9 and 12 months. (*)

Why’s a trust a good idea?  Well for policies written into Trust, the life company don’t ask for a grant of probate (or certificate of confirmation) and that means the claim is paid a lot more quickly.  We’re talking a few days or a few short weeks rather than months or even years!

Trusts made Simple – direction of travel?

One of the other big things to come out of these Trusts made Simple workshops is to ensure that the money from life assurance claim ends up in the hands of the people for whom they are intended.

I’m going to do some more blogs and podcasts about the subject of beneficiaries because I do think the variations between all the provider trust deeds don’t always help you as the advisers in the middle of this process.

But again, let’s keep things simple.

We know with a trust; we always choose some additional trustees because they are going to act on behalf life assured (or Settlor) when it comes to distributing the proceeds of the policy.

Trustees are people we trust and will do the right thing.

But is there something we can do to help these Trustees understand exactly what they need to do if and when the time comes with regards to paying the claim proceeds to the right people?

Well, the answer is a letter of wishes.

On our recent protection survey, only 8% of you said you had a high level of confidence to help your clients set up a letter of wishes.  49.12% of you said you were not confident.

What is a letter of wishes?

There are templates, but it could be as simple as a word document, addressed to each trustee with a simple line of text explaining what they need to do if they are called upon following a claim.

Next week I want to do a fuller piece about letter of wishes because its an area which isn’t done very often in our industry, but its so important at making sure the money following a claim goes to the right people.

Aviva Podcast – How to write a life policy into Trust with Aviva

Now as part of this trust campaign, I’ve got agreement with most of the main protection providers to record a podcast where they demonstrate how we can write one of their life polices into one of their discretionary trusts.

The client each time is John who has a single life assurance policy already in force.  He has a partner Janet (they aren’t married) and in this series of podcasts, we will look at how to go through the process from start to finish.

This week, we’re looking at the Aviva process and I sat down with Stewart Easton earlier this week to run through the scenario.

What I think will be really good (and I don’t think this has ever been done before) is we’re going to build up a resource library where you’ll be able to make sure you’re following the trust process correctly using these podcasts.

So this week it’s Aviva.  Next week it’s Aegon and thereafter we will look at the process for AIG, Vitality, Legal & General, Royal London and Zurich.  So, watch this space for those.

So that’s it from me for another week.  Have a great weekend and I’ll speak to you soon!

*Co Operative Legal Services – How long does Probate take?

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You're invited to VitalityHealth Launch 2021. Wednesday 23 June at 10.00am. The use of digital healthcare has rapidly increased in the last 12 months. Already at the forefront of this changing landscape, we’re evolving our proposition [...]

Practical Protection Podcast: Type 1 Diabetes (45 mins CPD)

By |June 4th, 2021|Categories: 04, 06. June, 2021, Protection, Provider News|

Hi everyone, I really hope you enjoyed our last episode of the Practical Protection Podcast, where I was joined by Roy McLoughlin and Katharine Moxham for a discussion on group insurance. This week I am [...]

Scottish Widows: Care in every Claim + Claims & COVID

By |June 4th, 2021|Categories: 04, 06. June, 2021, Protection, Provider News|

Care in every claim The stories behind the claim can help with your client conversations.  We offer emotional and practical support, not just financial. Read the article below to learn more. Read now   Claims [...]

Aviva: Give your SME clients more for their money with Solutions | Mental health upgrade

By |June 4th, 2021|Categories: 04, 06. June, 2021, Protection, Provider News|

We’re offering an upgrade to our mental health benefit We’re looking after your clients by offering them more, when they apply for Solutions, our private medical insurance. Between 1 August 2021 and 31 January 2022, [...]

Broker Webcast: Covid-19 Light at the end of the tunnel?

By |May 28th, 2021|Categories: 2021, 28, May, Protection, Provider News|

We’d like to invite you to register for our webcast on Tuesday 15th June at 10.30am covering the topic – COVID-19 - Light at the end of the tunnel? As lockdown rules continue to be [...]

Our commitment to paying claims continues

By |May 28th, 2021|Categories: 2021, 28, May, Protection, Provider News|

SEE HOW WE’VE IMPROVED OUR CLAIMS JOURNEY We know how important peace of mind is for your clients, especially in these challenging times. We paid out over 10,700 claims last year, which is over 98% [...]

‘An Introduction to Ceta’ Webinar

By |May 28th, 2021|Categories: 2021, 28, May, Protection, Provider News|

Mohammed Fiaz will be hosting three 45 minute webinars for you to learn more about Ceta and Non-Standard property insurance. Please click the button below to access your invite and information on the webinars. Click on [...]

Protection conversations for existing customers

By |May 28th, 2021|Categories: 2021, 28, May, Protection, Provider News|

We’ve created toolkits for three key segments within your client bank - to help you revisit your clients cover, improve it, or re-introduce it. It’s never a bad idea to check-in with your clients to [...]

Practical Protection Podcast: Group Insurance – CPD opportunity

By |May 19th, 2021|Categories: 2021, 21, May, Protection, Provider News|

This session we are focusing on group insurance. Kathryn and Roy have Katharine Moxham from GRiD (Group Risk Development) with them for this session. Katharine takes them through claims statistics, how free medical underwriting works [...]

Paymentshield’s Be GI Conference Agenda & Speakers

By |May 19th, 2021|Categories: 2021, 21, May, Protection, Provider News|

The ‘Be GI’ virtual conference is designed to provide insight into how the market has changed in the last year and what you, as advisers, can be doing to get the most out of your [...]

Weekly Protection Update – 14th May 2021

By |May 14th, 2021|Categories: 05. May, 07, 2021, Protection, Protection Insight Podcast, Provider News|

Have you booked onto the NTE? I know we keep mentioning it, but there are still places and it’s a great opportunity for us all to come together and share experiences and ideas for [...]

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Scottish Widows: Protection that puts people first

By |May 13th, 2021|Categories: 14, 2021, May, Protection, Provider News|

THE PEOPLE BEHIND THE CLAIMS In 2020, we paid out 98% of all protection claims to over 10,700 customers and their families - giving more people more reassurance, and more peace of mind. Behind the [...]

Paymentshield: New online payment option for annual payers

By |May 13th, 2021|Categories: 14, 2021, May, Protection, Provider News|

NEW ONLINE PAYMENT OPTION FOR ANNUAL PAYERS To make the service you and your clients receive from Paymentshield shine even brighter, they’ve have launched a new online option that enables policyholders who pay annually credit [...]

VitalityLife: Child Serious Illness Cover Cashback Offer- ending soon

By |May 13th, 2021|Categories: 14, 2021, May, Protection, Provider News|

Ending soon – Child Serious Illness Cover Cashback Offer Our market-leading Child Serious Illness Cover* provides a valuable benefit if your clients child were to suffer a serious illness or accident – a thought no [...]

Legal & General: New webinar dates to help you grow your business

By |May 13th, 2021|Categories: 14, 2021, May, Protection, Provider News|

Please find new dates now published on the adviser centre for promoting to our partners. https://www.legalandgeneral.com/adviser/general-insurance/helping-you-grow/webinars/ SmartQuote Demonstration A walk through our new SmartQuote point of sale. Our game changing SmartQuote tool means you can [...]

Legal & General: critical illness

By |May 13th, 2021|Categories: 14, 2021, May, Protection, Provider News|

Let’s talk critical illness No-one likes the thought of getting ill, so Legal & General’s new adviser toolkit has been designed to support these difficult conversations with your clients to ensure they have the protection [...]

Scottish Widows: Type 2 Diabetes and obesity

By |May 13th, 2021|Categories: 14, 2021, May, Protection, Provider News|

THE LINK BETWEEN TYPE 2 DIABETES AND OBESITY Underwriters are aware that high BMI and diabetes are significant risk factors – what strategies to improve health and lifestyle might help? Find out more.

Weekly Protection Update – 07th May 2021

By |May 7th, 2021|Categories: 05. May, 07, 2021, Protection, Protection Insight Podcast, Provider News|

It’s been great to talk to so many of you during my first few weeks in the job and it’s interesting that several of you have expressed a similar frustration which is that it [...]

Cura Insurance: Octomembers sponsor The PPP

By |May 6th, 2021|Categories: 07, 2021, May, Protection, Provider News|

Private financial community Octo Members Group sponsors The Practical Protection Podcast. The app-based community is dedicated to bringing financial professionals together, to share their knowledge and insights with one another. The network welcomes all financial [...]

Paymentshield join forces with Sky

By |May 6th, 2021|Categories: 07, 2021, May, Protection, Provider News|

Paymentshield are excited to announce an exciting new partnership which brings them together with Sky, the powerhouse of home entertainment. Now when your clients take out a Paymentshield Home Insurance policy, they can benefit from [...]

Scottish Widows: Powers of Attorney and vulnerable customers

By |May 6th, 2021|Categories: 07, 2021, May, Protection, Provider News|

POWERS OF ATTORNEY & VULNERABLE CUSTOMERS We explain powers of attorney, the court-appointed alternatives, and financial planning for vulnerable customers. Find out more

“Let’s Talk Insurance” new CPD learning from The Exeter

By |May 6th, 2021|Categories: 07, 2021, May, Protection, Provider News|

Our latest research report entitled “Let’s Talk Insurance” is now available. Looking at insurance conversations through the eyes of both advisers and UK working adults, the findings are fascinating. Our research can be found in [...]

Weekly Protection Update – 29th April 2021

By |April 29th, 2021|Categories: 04. April, 2021, 30, Protection, Protection Insight Podcast, Provider News|

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: Track your online [...]

Canada Life: Individual Protection Monthly Newsletter

By |April 29th, 2021|Categories: 04. April, 2021, 30, Protection, Provider News|

Mortgage applications have had a strong start this year, due in no small part to the stamp duty holiday extension until the end of June 2021. While mortgage applications are increasing, as an adviser you need to [...]

Towergate: Have you seen our client facing marketing hub?

By |April 29th, 2021|Categories: 04. April, 2021, 30, Protection, Provider News|

To ensure you have everything you need to build your client and prospect base, we have designed some marketing material for you to use. The material can be used in conjunction with your current marketing [...]

LV: Track your online applications using the LV= Protection Progress Hub

By |April 29th, 2021|Categories: 04. April, 2021, 30, Protection, Provider News|

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

By |April 29th, 2021|Categories: 04. April, 2021, 30, Protection, Provider News|

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?

By |April 29th, 2021|Categories: 04. April, 2021, 30, Protection, Provider News|

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

By |April 29th, 2021|Categories: 04. April, 2021, 30, Protection, Provider News|

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 [...]

Weekly Protection Update – 23rd April 2021

By |April 23rd, 2021|Categories: 04. April, 2021, 23, Protection, Protection Insight Podcast, Provider News|

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 [...]

PAYMENTSHIELD’S BE GI VIRTUAL CONFERENCE

By |April 22nd, 2021|Categories: 04. April, 2021, 23, Protection, Provider News|

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 [...]

LV: Tools and calculators to help drive your Protection conversations

By |April 22nd, 2021|Categories: 04. April, 2021, 23, Protection, Provider News|

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

By |April 22nd, 2021|Categories: 04. April, 2021, 23, Protection, Provider News|

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

By |April 22nd, 2021|Categories: 04. April, 2021, 23, Protection, Provider News|

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

By |April 22nd, 2021|Categories: 04. April, 2021, 23, Protection, Provider News|

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

By |April 15th, 2021|Categories: 04. April, 16, 2021, Protection, Protection Insight Podcast, Provider News|

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

By |April 15th, 2021|Categories: 04. April, 16, 2021, Protection, Provider News|

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?

By |April 15th, 2021|Categories: 04. April, 16, 2021, Protection, Provider News|

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

By |April 15th, 2021|Categories: 04. April, 16, 2021, Protection, Provider News|

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

By |April 15th, 2021|Categories: 04. April, 16, 2021, Protection, Provider News|

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

By |April 15th, 2021|Categories: 04. April, 16, 2021, Protection, Provider News|

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?

By |April 15th, 2021|Categories: 04. April, 16, 2021, Protection, Provider News|

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

By |April 15th, 2021|Categories: 04. April, 16, 2021, Protection, Provider News|

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

By |April 9th, 2021|Categories: 04. April, 09, 2021, Protection, Protection Insight Podcast, Provider News|

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

By |April 8th, 2021|Categories: 04. April, 09, 2021, Protection, Provider News|

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

By |April 8th, 2021|Categories: 04. April, 09, 2021, Protection, Provider News|

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?

By |April 8th, 2021|Categories: 04. April, 09, 2021, Protection, Provider News|

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

By |April 8th, 2021|Categories: 04. April, 09, 2021, Protection, Provider News|

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

By |April 8th, 2021|Categories: 04. April, 09, 2021, Protection, Provider News|

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

By |April 8th, 2021|Categories: 04. April, 09, 2021, Protection, Provider News|

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!

By |April 8th, 2021|Categories: 04. April, 09, 2021, Protection, Provider News|

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

By |April 1st, 2021|Categories: 02, 04. April, 2021, Protection, Protection Insight Podcast, Provider News|

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

By |March 31st, 2021|Categories: 02, 04. April, 2021, Protection, Provider News|

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 [...]

Paymentshield launch interactive video

By |March 31st, 2021|Categories: 02, 04. April, 2021, Protection, Provider News|

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

By |March 31st, 2021|Categories: 02, 04. April, 2021, Protection, Provider News|

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

By |March 31st, 2021|Categories: 02, 04. April, 2021, Protection, Provider News|

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

By |March 31st, 2021|Categories: 02, 04. April, 2021, Protection, Provider News|

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

By |March 26th, 2021|Categories: 03. March, 2021, 26, Protection, Protection Insight Podcast, Provider News|

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?

By |March 26th, 2021|Categories: 03. March, 2021, 26, Protection, Provider News|

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?

By |March 25th, 2021|Categories: 03. March, 2021, 26, Protection, Provider News|

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

By |March 25th, 2021|Categories: 03. March, 2021, 26, Protection, Provider News|

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

By |March 25th, 2021|Categories: 03. March, 2021, 26, Protection, Provider News|

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

By |March 25th, 2021|Categories: 03. March, 2021, 26, Protection, Provider News|

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

By |March 25th, 2021|Categories: 03. March, 2021, 26, Protection, Provider News|

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 [...]

Zurich: Claims stats highlight fracture cover is not just for active clients

By |March 25th, 2021|Categories: 03. March, 2021, 26, Protection, Provider News|

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?

By |March 25th, 2021|Categories: 03. March, 2021, 26, Protection, Provider News|

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

By |March 19th, 2021|Categories: 03. March, 12, 2021, Protection, Protection Insight Podcast, Provider News|

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?

By |March 19th, 2021|Categories: 03. March, 19, 2021, Protection, Provider News|

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

By |March 19th, 2021|Categories: 03. March, 19, 2021, Protection, Provider News|

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

By |March 19th, 2021|Categories: 03. March, 19, 2021, Protection, Provider News|

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?

By |March 18th, 2021|Categories: 03. March, 19, 2021, Protection, Provider News|

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?

By |March 18th, 2021|Categories: 03. March, 19, 2021, Protection, Provider News|

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

By |March 18th, 2021|Categories: 03. March, 19, 2021, Protection, Provider News|

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

By |March 18th, 2021|Categories: 03. March, 19, 2021, Protection, Provider News|

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

By |March 18th, 2021|Categories: 03. March, 19, 2021, Protection, Provider News|

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

By |March 18th, 2021|Categories: 03. March, 19, 2021, Covid-19 Protection, Protection, Provider News|

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

By |March 12th, 2021|Categories: 03. March, 12, 2021, Protection, Protection Insight Podcast, Provider News|

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

By |March 11th, 2021|Categories: 03. March, 12, 2021, Protection, Provider News|

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

By |March 11th, 2021|Categories: 03. March, 12, 2021, Protection, Provider News|

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

By |March 11th, 2021|Categories: 03. March, 12, 2021, Protection, Provider News|

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

By |March 11th, 2021|Categories: 03. March, 12, 2021, Protection, Provider News|

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

By |March 11th, 2021|Categories: 03. March, 12, 2021, Protection, Provider News|

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?

By |March 11th, 2021|Categories: 03. March, 12, 2021, Protection, Provider News|

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??

By |March 11th, 2021|Categories: 03. March, 12, 2021, Protection, Provider News|

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

By |March 11th, 2021|Categories: 03. March, 12, 2021, Protection, Provider News|

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

By |March 11th, 2021|Categories: 03. March, 12, 2021, Protection, Provider News|

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

By |March 11th, 2021|Categories: 03. March, 12, 2021, Protection, Provider News|

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

By |March 11th, 2021|Categories: 03. March, 12, 2021, Protection, Provider News|

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”?

By |March 11th, 2021|Categories: 03. March, 12, 2021, Protection, Provider News|

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

By |March 5th, 2021|Categories: 03. March, 05, 2021, Protection, Provider News|

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

By |March 5th, 2021|Categories: 03. March, 05, 2021, Protection, Provider News|

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

By |March 5th, 2021|Categories: 03. March, 05, 2021, Protection, Provider News|

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

By |March 5th, 2021|Categories: 03. March, 05, 2021, Protection, Provider News|

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

By |March 5th, 2021|Categories: 03. March, 05, 2021, Protection, Provider News|

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

By |March 5th, 2021|Categories: 03. March, 05, 2021, Protection, Provider News|

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

By |March 5th, 2021|Categories: 03. March, 05, 2021, Protection, Provider News|

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

By |March 5th, 2021|Categories: 03. March, 05, 2021, Protection, Protection Insight Podcast, Provider News|

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

By |February 26th, 2021|Categories: 02. February, 2021, 26, Protection, Protection Insight Podcast, Provider News|

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?

By |February 25th, 2021|Categories: 02. February, 2021, 26, Protection, Provider News|

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

By |February 25th, 2021|Categories: 02. February, 2021, 26, Protection, Provider News|

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

By |February 25th, 2021|Categories: 02. February, 2021, 26, Protection, Provider News|

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

By |February 25th, 2021|Categories: 02. February, 2021, 26, Protection, Provider News|

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

By |February 25th, 2021|Categories: 02. February, 2021, 26, Protection, Provider News|

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

By |February 25th, 2021|Categories: 02. February, 2021, 26, Protection, Provider News|

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

By |February 25th, 2021|Categories: 02. February, 2021, 26, Protection, Provider News|

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

By |February 25th, 2021|Categories: 02. February, 2021, 26, Protection, Provider News|

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?

By |February 25th, 2021|Categories: 02. February, 2021, 26, Protection, Provider News|

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

By |February 25th, 2021|Categories: 02. February, 2021, 26, Protection, Provider News|

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

By |February 19th, 2021|Categories: 02. February, 18, 2021, Protection, Protection Insight Podcast, Provider News|

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

By |February 18th, 2021|Categories: 02. February, 18, 2021, Protection, Provider News|

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

By |February 17th, 2021|Categories: 02. February, 18, 2021, Protection, Provider News|

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

By |February 17th, 2021|Categories: 02. February, 18, 2021, Protection, Provider News|

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

By |February 17th, 2021|Categories: 02. February, 18, 2021, Covid-19 Protection, Protection, Provider News|

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 [...]

Source: Have you visited our new website yet?

By |February 17th, 2021|Categories: 02. February, 18, 2021, Protection, Provider News|

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

By |February 17th, 2021|Categories: 02. February, 18, 2021, Covid-19 Protection, Protection|

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

By |February 12th, 2021|Categories: 02. February, 12, 2021, Protection, Protection Insight Podcast, Provider News|

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

By |February 12th, 2021|Categories: 02. February, 12, 2021, Protection, Provider News|

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 [...]

Higos: Win an iPad with our quick-fire survey

By |February 12th, 2021|Categories: 02. February, 12, 2021, Protection, Provider News|

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

By |February 12th, 2021|Categories: 02. February, 12, 2021, Protection, Provider News|

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

By |February 11th, 2021|Categories: 02. February, 12, 2021, Protection, Provider News|

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

By |February 11th, 2021|Categories: 02. February, 12, 2021, Protection, Provider News|

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

By |February 11th, 2021|Categories: 02. February, 12, 2021, Protection, Provider News|

*** 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

By |February 11th, 2021|Categories: 02. February, 12, 2021, Protection, Provider News|

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

By |February 11th, 2021|Categories: 02. February, 12, 2021, Protection, Provider News|

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

By |February 5th, 2021|Categories: 02. February, 05, 2021, Protection, Protection Insight Podcast, Provider News|

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

By |February 4th, 2021|Categories: 02. February, 05, 2021, Protection, Provider News|

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

By |February 4th, 2021|Categories: 02. February, 05, 2021, Protection, Provider News|

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

By |February 4th, 2021|Categories: 02. February, 05, 2021, Protection, Provider News|

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?

By |February 4th, 2021|Categories: 02. February, 05, 2021, Protection, Provider News|

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. [...]

Paymentshield: Sales Structure Change

By |February 4th, 2021|Categories: 02. February, 05, 2021, Protection, Provider News|

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

By |February 4th, 2021|Categories: 02. February, 05, 2021, Protection, Provider News|

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

By |February 4th, 2021|Categories: 02. February, 05, 2021, Protection, Provider News|

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

By |February 4th, 2021|Categories: 02. February, 05, 2021, Protection, Provider News|

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

By |January 29th, 2021|Categories: 01. January, 2021, 29, Covid-19 Protection, Protection, Protection Insight Podcast, Provider News|

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.

By |January 29th, 2021|Categories: 01. January, 2021, 29, Covid-19 Protection, Protection, Provider News|

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

By |January 29th, 2021|Categories: 01. January, 2021, 29, Covid-19 Protection, Protection, Provider News|

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

By |January 29th, 2021|Categories: 01. January, 2021, 29, Covid-19 Protection, Protection, Provider News|

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

By |January 29th, 2021|Categories: 01. January, 2021, 29, Protection, Provider News|

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

By |January 29th, 2021|Categories: 01. January, 2021, 29, Covid-19 Protection, Protection, Provider News|

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

By |January 29th, 2021|Categories: 01. January, 2021, 29, Covid-19 Protection, Protection, Provider News|

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

By |January 29th, 2021|Categories: 01. January, 2021, 29, Protection, Provider News|

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

By |January 29th, 2021|Categories: 01. January, 2021, 29, Protection, Provider News|

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

By |January 28th, 2021|Categories: 01. January, 2021, 29, Covid-19 Protection, Protection, Provider News|

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

By |January 22nd, 2021|Categories: 01. January, 2021, 22, Protection, Protection Insight Podcast, Provider News|

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

By |January 21st, 2021|Categories: 01. January, 2021, 22, Covid-19 Protection, Protection, Provider News|

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

By |January 21st, 2021|Categories: 01. January, 2021, 22, Covid-19 Protection, Protection, Provider News|

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

By |January 21st, 2021|Categories: 01. January, 2021, 22, Covid-19 Protection, Protection, Provider News|

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

By |January 21st, 2021|Categories: 01. January, 2021, 22, Covid-19 Protection, Protection, Provider News|

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

By |January 15th, 2021|Categories: 01. January, 15, 2021, Covid-19 Protection, Protection, Protection Insight Podcast, Provider News|

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

By |January 14th, 2021|Categories: 01. January, 15, 2021, Covid-19 Protection, Protection, Provider News|

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

By |January 14th, 2021|Categories: 01. January, 15, 2021, Covid-19 Protection, Protection, Provider News|

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

By |January 14th, 2021|Categories: 01. January, 15, 2021, Covid-19 Protection, Protection, Provider News|

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

By |January 14th, 2021|Categories: 01. January, 15, 2021, Covid-19 Protection, Protection, Provider News|

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

By |January 14th, 2021|Categories: 01. January, 15, 2021, Protection, Provider News|

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

By |January 14th, 2021|Categories: 15, 2021, Covid-19 Protection, Protection, Provider News|

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

By |January 8th, 2021|Categories: 01. January, 08, 2021, Covid-19 Protection, Protection, Protection Insight Podcast, Provider News|

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

By |January 7th, 2021|Categories: 01. January, 08, 2021, Covid-19 Protection, Protection, Provider News|

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!

By |January 7th, 2021|Categories: 08, 2021, Covid-19 Protection, Protection, Provider News|

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

By |January 7th, 2021|Categories: 01. January, 08, 2021, Covid-19 Protection, Protection, Provider News|

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

By |January 7th, 2021|Categories: 01. January, 08, 2021, Covid-19 Protection, Protection, Provider News|

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

By |January 7th, 2021|Categories: 01. January, 08, 2021, Covid-19 Protection, Protection, Provider News|

Local Roots Covid-19 has made us all more grounded in our local communities as we are spending far more time working and living from home. From a business perspective it is mightily reminiscent of [...]

Weekly Protection Update – 29th May 2020

By |May 29th, 2020|Categories: 05. May, 2020, 29, Covid-19 Protection, Protection, Provider News|

Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Legal & General [...]

Holloway Friendly have introduced 4 week deferred periods on their one2protect, purely and classic plus plans

By |May 29th, 2020|Categories: 05. May, 2020, 29, Covid-19 Protection, Protection, Provider News|

Holloway Friendly have re-opened applications for 4 week deferred periods on our one2protect, Purely and Classic Plus plans. These are the deferred periods now available to Advisers across our plans: one2protect - 4, 8, [...]

Maximising opportunities with MetLife

By |May 28th, 2020|Categories: 05. May, 2020, 29, Covid-19 Protection, Protection, Provider News|

Did you know, MetLife is 152 years old this year? While the world continues to change at a rapid pace, one thing remains constant: our commitment to building a more protected world for individuals, [...]

Legal & General: Covid-19: Medical Screening Update

By |May 28th, 2020|Categories: 05. May, 2020, 29, Covid-19 Protection, Protection, Provider News|

Here at L&G we continue to offer market leading underwriting capability despite the unprecedented times we find ourselves in. Our Underwriting team remains committed to the standards set before the Covid-19 crisis unfolded, and [...]

Scottish Widows: Changes to Protection Underwriting Guide COVID-19

By |May 28th, 2020|Categories: 05. May, 2020, 29, Covid-19 Protection, Protection, Provider News|

We are committed to providing valuable protection cover to as many people as possible. Read about the underwriting changes we are making to help our customers through COVID-19. Find out more [...]

Vitality: Why use Vitality Academy?

By |May 28th, 2020|Categories: 05. May, 2020, 29, Covid-19 Protection, Protection, Provider News|

The Vitality Academy is built around you… With the extraordinary world we now find ourselves in, many of us are taking the opportunity to boost our learning and CPD, so we’re accelerating our investment [...]

Royal London: Keeping your business on track

By |May 28th, 2020|Categories: 05. May, 2020, 29, Covid-19 Protection, Protection, Provider News|

Protection conversations in the current climate People are feeling uncertain and worried in different areas of their lives at the moment - recent events have taught us that our health and income can quickly [...]

Berkeley Alexander: Commercial Consultant, View from their BDMs and Webinar Training

By |May 28th, 2020|Categories: 05. May, 2020, 29, Covid-19 Protection, Protection, Provider News|

Get yourself a Commercial Insurance Consultant for Free!! How would you like to have your own commercial insurance consultant on tap to train your team on the commercial insurance opportunity; advise on marketing this [...]

Weekly Protection Update – 22nd May 2020

By |May 22nd, 2020|Categories: 05. May, 2020, 22, Covid-19 Protection, Protection, Provider News|

Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Aegon, Aviva, Guardian [...]

AEGON FIRST TO ANNOUNCE CHANGES AFTER FCA GUIDANCE

By |May 22nd, 2020|Categories: 05. May, 2020, 22, Protection, Provider News|

In a positive start to the week, AEGON have become the first insurer to respond to FCA guidance published last week by implementing a premium deferral option. The FCA guidance set out the regulators expectations [...]

Vitality: Support for you and your clients

By |May 22nd, 2020|Categories: 05. May, 2020, 22, Covid-19 Protection, Protection, Provider News|

VitalityLife Underwriting – Open for business Over the course of the pandemic Vitality have successfully launched a number of initiatives designed to support you and your clients. One of these initiatives is we’re now [...]

Royal London: Keeping your business on track

By |May 22nd, 2020|Categories: 05. May, 2020, 22, Covid-19 Protection, Protection, Provider News|

People are feeling uncertain and worried in different areas of their lives at the moment - recent events have taught us that our health and income can quickly disappear. When we return to 'normal', [...]

Cura: The Inbetweenysode Podcast – Mental Health: An Insurance Walkthrough

By |May 22nd, 2020|Categories: 05. May, 2020, 22, Covid-19 Protection, Protection, Provider News|

This is the first in a series of shorter podcasts called ‘The Inbetweenysode’, which we are running in addition to our regular Practical Protection episodes. We have deliberately made theses shorter, so that we [...]

Aviva: Premium deferral update for individual protection customers

By |May 22nd, 2020|Categories: 05. May, 2020, 22, Covid-19 Protection, Protection, Provider News|

It’s more important than ever for customers to have the right protection and to maintain their chosen amount of cover – so it’s there in full to support them and their loved ones when [...]

LV= helping you support your clients’ mental health

By |May 22nd, 2020|Categories: 05. May, 2020, 22, Covid-19 Protection, Protection, Provider News|

LV= understand that your clients mental health is just as important as their physical health, with 1 in 4 adults experiencing a mental health problem each year, and, the coronavirus lockdown will only impact [...]

Scottish Widows: Mental Health and Protection Insurance

By |May 21st, 2020|Categories: 05. May, 2020, 22, Protection, Provider News|

As we enter Mental Health Awareness week, read Johnny Timpson’s blog as he considers how our industry can do more to help customers when they’re at their most vulnerable. Find out more

Weekly Protection Update – 15th May 2020

By |May 15th, 2020|Categories: 05. May, 14, 2020, Covid-19 Protection, Protection, Provider News|

Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Vitality's underwriting is [...]

Hanley Economic: Brand new product with product sheet

By |May 14th, 2020|Categories: 05. May, 14, 2020, Covid-19 Protection, Protection|

We have a brand new product which is available for release immediately; MFD373: 3.45% Fixed Rate for 3 Years Up to 95% LTV Non-Refundable App fee: £299 (Cannot be added to loan, must be [...]

Cirencester: 130th Annual Report and Accounts shows continued growth during 2019

By |May 14th, 2020|Categories: 05. May, 14, 2020, Covid-19 Protection, Protection, Provider News|

2019 was another strong year for Cirencester Friendly. We would like to take this opportunity to thank you for your continued support in trusting us with your clients, our Members. [...]

Berkeley Alexander: A telephone BDM view on lockdown

By |May 14th, 2020|Categories: 05. May, 14, 2020, Covid-19 Protection, Protection, Provider News|

Our bubbly TBDM, Shelley Harmer, was asked to give her thoughts around how she is helping brokers in her daily calls. 'At this tough time it’s actually great to be there for our agents, [...]

Scottish Widows: Introducing our 2019 claims statistics

By |May 14th, 2020|Categories: 05. May, 14, 2020, Covid-19 Protection, Protection, Provider News|

Our Head of Claims and Underwriting Strategy, Scott Cadger, introduces our 2019 claims pay out rates. Find out more about our claim stats and the stories behind the numbers. Find out more [...]

Legal & General: Training support during our new everyday and medical screening update

By |May 14th, 2020|Categories: 05. May, 14, 2020, Covid-19 Protection, Protection, Provider News|

COVID-19: Medical Screening Update Here at Legal & General we continue to offer market leading underwriting capability despite the unprecedented times we find ourselves in. Our Underwriting team remains committed to the standards set [...]

Uinsure: Live webinar series

By |May 14th, 2020|Categories: 05. May, 14, 2020, Covid-19 Protection, Protection, Provider News|

Join Uinsure for a series of live webinars aiming to support you, build your product knowledge and help grow your revenue. Now is a great time to invest in your own learning and knowledge [...]

Vitality: Underwriting is open for business

By |May 14th, 2020|Categories: 05. May, 14, 2020, Covid-19 Protection, Protection, Provider News|

Please find attached a document giving an update and overview on what we’re doing from an underwriting perspective during this pandemic. Most notable is that we’ve recently launched Virtual Screenings (for certain clients) in [...]

Cura – CuraVision The ABCs: Eating Disorders

By |May 14th, 2020|Categories: 05. May, 14, 2020, Covid-19 Protection, Protection, Provider News|

In the latest episode of CuraVision The ABCs, Kathryn focuses on Eric*. Eric came to Cura with a number of medical disclosures, and approached us for our help in finding him [...]

Paymentshield: National conversation week

By |May 14th, 2020|Categories: 05. May, 14, 2020, Covid-19 Protection, Protection, Provider News|

Monday 11th May is the start of National Conversation Week 2020 (NCW) in partnership with Defaqto in support of Mind. In this uncertain time, it is really important to be keeping the conversations going [...]

The Exeter: HealthWise – helping to ease the burden on the NHS

By |May 14th, 2020|Categories: 05. May, 14, 2020, Covid-19 Protection, Protection, Provider News|

With pressures on the NHS increasing, now is as good a time as any to remind your clients of the added extras included within their insurance policies. Services such as remote GP appointments could [...]

Aviva: Boost your protection retention success with ALPS existing business tracking and upcoming webinars

By |May 14th, 2020|Categories: 05. May, 14, 2020, Covid-19 Protection, Protection, Provider News|

Take two minutes to boost your retention success with ALPS Existing Business Tracking. Watch our video to find out how using tracking notifications can help you keep your clients and your income stream protected. [...]

Weekly Protection Update – 8th May 2020

By |May 8th, 2020|Categories: 05. May, 08, 2020, Covid-19 Protection, Protection, Provider News|

Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Aegon resume requesting [...]

Zurich introduces premium flexibility

By |May 7th, 2020|Categories: 05. May, 08, 2020, Covid-19 Protection, Protection, Provider News|

Zurich has introduced a series of measures to give flexibility to protection customers who may be struggling financially during the coronavirus crisis. They include an option to defer monthly premiums for up to three [...]

LV= Supporting your clients financially, emotionally and practically

By |May 7th, 2020|Categories: 05. May, 08, 2020, Covid-19 Protection, Protection, Provider News|

When your client makes a claim on their policy, it's often referred to in the industry as 'the moment of truth'. LV= know it's important to you that you can recommend a provider that [...]

The Exeter: Latest Insight Summaries

By |May 7th, 2020|Categories: 05. May, 08, Covid-19 Protection, Protection, Provider News|

HealthWise – helping to ease the burden on the NHS With pressures on the NHS increasing, now is as good a time as any to remind your clients of the added extras included within [...]

CanadaLife: Our new Coronavirus Hub and additional support measures

By |May 7th, 2020|Categories: 05. May, 08, 2020, Covid-19 Protection, Protection, Provider News|

During these challenging times, we want you to know we’re here to help. We’re continually looking for the best ways to share the latest information with you and your clients. That’s why we’ve created [...]

Legal and General: 2019 claims statistics and upcoming webinars

By |May 7th, 2020|Categories: 05. May, 08, 2020, Covid-19 Protection, Protection, Provider News|

In today’s uncertain world, you can still be certain we’re here to help. In 2019, we helped more than 15,000 customers and their families by paying out over £731 million in individual protection claims. [...]

Royal London: Six ways our online service makes it easier to do business from home

By |May 7th, 2020|Categories: 05. May, 08, 2020, Covid-19 Protection, Protection, Provider News|

Sara Docherty Working from home has fast become the new reality for many of us. But things probably feel anything but normal just now. That’s why we wanted to give you some practical hints [...]

Platform: Mortgage offers and documentation during this difficult time

By |May 1st, 2020|Categories: 01, 05. May, 2020, Covid-19 Mortgages, Provider News|

Extensions to Mortgage Offers In light of the Covid-19 pandemic the Ministry of Housing, Communities & Local Government have recently issued guidance for buyers and sellers to be more flexible on moving dates and [...]

Weekly Protection Update – 1st May 2020

By |May 1st, 2020|Categories: 01, 05. May, 2020, Covid-19 Protection, Protection, Provider News|

Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Aviva resume medical [...]

Zurich announce premium flexibility

By |May 1st, 2020|Categories: 01, 05. May, 2020, Covid-19 Protection, Protection, Provider News|

Now, more than ever, it is important that customers maintain the protection cover they have, and where possible, we’ve added extra flexibility to our protection products. If your clients’ income has been impacted by [...]

Aviva: Medical evidence requests to be resumed from 27th April

By |May 1st, 2020|Categories: 01, 05. May, 2020, Covid-19 Protection, Protection, Provider News|

From Monday the 27th April we will resume requesting medical evidence for all applications in our pipeline, and also for all new applications. We previously stopped these requests in order to reduce pressures on [...]

British Friendly announce new underwriting approach

By |May 1st, 2020|Categories: 01, 05. May, 2020, Covid-19 Protection, Protection, Provider News|

British Friendly have announce three new initiatives designed to help advisers put clients on risk quicker. The initiatives include the withdrawal of automatic requests for medical evidence, the introduction of a tele-interview in partnership with [...]

Vitality: Additional support for you and your clients

By |May 1st, 2020|Categories: 01, 05. May, 2020, Covid-19 Protection, Protection, Provider News|

As the significant health crisis that is COVID-19 has developed, we have been and continue to work hard to adapt our approach, so that we can continue to provide services to you and your [...]

Legal and General: Underwriting continues to offer its market leading capability

By |May 1st, 2020|Categories: 01, 05. May, 2020, Covid-19 Protection, Protection, Provider News|

Underwriting standards during CV19 Our underwriting team is committed to providing the same standards for new business decisions, set pre COVID-19, we are determined to help as many people as possible obtain the peace [...]

Berkeley Alexander: Get yourself a Commercial Insurance Consultant for Free!

By |May 1st, 2020|Categories: 01, 05. May, 2020, Covid-19 Protection, Protection, Provider News|

How would you like to have your own commercial insurance consultant on tap to train your team on the commercial insurance opportunity; advise on marketing this sector of your client base; deliver on an [...]

AIG: New flexible policy requests

By |May 1st, 2020|Categories: 01, 05. May, 2020, Covid-19 Protection, Protection, Provider News|

We know that you’re doing as much as you can to help your clients. We wanted to let you know of a few changes we’ve made this week, designed to support your clients during [...]

Metlife: We’re running a third week of webinars!

By |May 1st, 2020|Categories: 01, 05. May, 2020, Covid-19 Protection, Protection, Provider News|

Over the past two weeks, the MetLife team have ran two hugely successful MultiProtect webinars which over 760 advisers have viewed. These short 30 minute webinars, covering our claims position and relevancy in the [...]

Royal London: Intermediary Chief Executive, Isobel Langton is taking part in an upcoming FT adviser webinar

By |May 1st, 2020|Categories: 01, 05. May, 2020, Covid-19 Protection, Protection, Provider News|

Join our Intermediary Chief Executive, Isobel Langton, on the upcoming FT adviser webinar where she’ll be discussing what great service looks like. Advisers are often encouraged to appraise providers on the service levels they [...]

Cura: Episode 7 of The Practical Protection Podcast features Steve Casey, Marketing Director of Square Health

By |May 1st, 2020|Categories: 01, 05. May, 2020, Covid-19 Protection, Protection, Provider News|

In Episode 7 we welcome our second special guest to the Practical Protection Podcast, Steve Casey, Marketing Director of Square Health. Steve has worked within the financial services for many years, [...]

Paymentshield: Network communication – Geo Home insurance availability and CPD website update

By |May 1st, 2020|Categories: 01, 05. May, 2020, Covid-19 Protection, Protection, Provider News|

Geo home insurance availability Geo have let Paymentshield know they’ll be temporarily unable to accept new Home Insurance policies and invite renewals from Monday 1 June 2020. Regrettably, we need to expire all Geo [...]

By |2021-08-06T10:58:33+01:00August 6th, 2021|Provider News|Comments Off on Weekly Protection Update – 6th August 2021

The Right Mortgage and Protection Network

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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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