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:

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:

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?