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

General context


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




IPTF Language Comparison tool

Before we get into tools and calculators, here’s our very own IPTF language comparison tool in case there’s any abbreviations or jargon that you’re about to see along with some very useful links. We’ve compared the terms that different insurers use to mean the same thing and compiled the answers in a handy comparison table which you can download by clicking the link below:

IPTF Language Comparison Tool

IPTF Claims Guide for the Self Employed

This short guide offers practical tips to enable advisers to help ensure the claims
process goes swiftly and smoothly for self employed and small business
policyholders/members. It promotes proactive engagement through the duration of
the IP policy and uses case studies to highlight the impact of financial evidence on IP

IPTF Claims Guide for the Self Employed


Insurer Tools

Percy The Protection Calculator | ABI

Aviva Tools

Click here to access tools and calculators including an adviser calculator for maximum benefit and dual and deferred benefit split

Legal & General Tools

Click here to access the L&G Adviser Toolkit. There are some specific links below which you may also find helpful:

Deadline to Breadline 

Tools and Calculators 

Risk Reality 

LV Tools

Royal London Tools

Use our national insurance calculator – Royal London for advisers

Maximum benefit calculator – Royal London for advisers

The Exeter Tools

Income Risk Calulator 

Vitality Tools


Zurich Tools



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.





Case Studies


This case study featured in the Mail online on 3 April 2021:

Insurance that can help if you have Long Covid


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.