We will continually add tools and resources here that you might find useful:
Sample approach letter for income protection from Royal London
Royal London have also shared some videos showing how advisers approach income protection. Click here to view.
The FCA has published the following three policy statements, PS18/16 speaks in particular to intermediary firms:
- PS18/14: Extending the Senior Managers & Certification Regime to FCA Firms – Feedback to CP17/25 and CP17/40, and near-final rules;
- PS18/15: Extending the Senior Managers & Certification to insurers – Feedback to CP17/26 and CP17/41 and near-final rules; and
- PS18/16: Insurers and FCA solo-regulated firms Final Guidance: the Duty of Responsibility for insurers and FCA solo-regulated firms.
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/
Financial Forecast Calculator from The Exeter
The Income Protection Reality Checker Tool from Vitality http://www.vitalityrealitychecker.co.uk/
Reality Risk Calculator from LV= LV= Risk Reality Calculator
Also from LV=, the IP Hub. This covers a wide range of materials and content – from product outlines, claims, having great IP conversations, tools and calculators to the newsdesk, research and thought leadership. www.lv.com/IP
Finally from LV= Having great (income) protection conversations
Deadline to Breadline Research from Legal & General
Please find below three links from British Friendly for use with clients:
On the need for insurance – Money Machine
On eligibility for State benefits – I’ll apply for State benefits
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 provide useful tools for advisers, including a number of useful articles on income protection. We’ve included some sample articles below: