We will continually add tools and resources here that you might find useful:

Benefits Calculator 

Turn2us is a national charity helping people when times get tough. They provide financial support to help people get back on track and their website includes a useful benefits calculator. Click here to visit their website and then click on Use the Benefits Calculator




The Biba find insurance page can be accessed here or alternatively you can call 0370 950 1790 to speak to an adviser who can help find insurance for a specific need.

Forecasting the need for protection

You may find the following tools helpful for using with clients to demonstrate their financial vulnerability when facing a loss of income:

Financial Forecast Calculator from The Exeter

The Income Protection Reality Checker Tool from Vitality  http://www.vitalityrealitychecker.co.uk/

On the need for insurance – Money Machine

On eligibility for State benefits  – I’ll apply for State benefits

The Deadline to Breadline Research from Legal & General also provides some context on this subject as does this statistics archive from the Money Charity which contains some pretty alarming stats. Click here to read more

Case Studies

The following British Friendly case study was featured in the Mail on Sunday in November 2018. Click here to read the piece

Too ill to work, too broke not to. Report from the Money and Mental Health Policy Institute (sponsored by Aviva)

The following report from the Money & Mental Health Policy Institute (and sponsored by Aviva) may be of interest along with the resulting press coverage.  The report looks at Sickness absence due to mental health problems and the long term implications that it can have.

Protectionguru.co.uk highlights

Protectionguru.co.uk provide useful tools for advisers, including a number of useful articles on income protection. We’ve included some sample articles below:

How do insurers help protect medical professional’s income? 

Fracture cover – helping consumers with short term income loss

Identifying the optimal deferred periods for income protection – which insurers have the best options?

Key Dates

The Business Disability Forum (BDF) now have a calendar of key health days and events. See https://businessdisabilityforum.org.uk/media-centre/disability-awareness-days/





FCA Policy Statements

The FCA has published the following three policy statements, PS18/16 speaks in particular to intermediary firms: