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


Action for Suicide Prevention in Insurance (ASPiiN), a Voluntary protection insurance group ,in partnership with the Protection Distributors Group (PDG), is calling on advisers to respond to its survey, the aim of which is to understand the protocols and training that are already in place with regard to the mental health of consumers, especially where an increased risk of suicide is concerned. The results of the survey will be used to build a best practice guide that gathers together all the good work that is already going on, for the benefit of the wider adviser community and all participants will receive a copy of the final report.

As a complement to the survey, ASPiiN has put together a Directory of Training Resources. This sets out where firms and individuals can go to get training to help them build the tools they need to identify and support clients, or potential clients, who may be suffering from mental health issues or may be suicidal. You can download the PDFs below.

Directory of suicide prevention training

Guidance for insurance websites on suicide


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:

Income Risk Calulator 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

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

Insurance that can help if you have Long Covid

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.

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:

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 

Maximum and Stepped Benefit 

Risk Reality 

Zurich Tools