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# Income Protection Task Force

Education. Collaboration. Insights.

## Sitemaps

- [XML Sitemap](https://iptf.co.uk/sitemap.xml): Contains all public & indexable URLs for this website.

## Posts

- [An Advisers Guide to Accident, Sickness & Unemployment (ASU) Insurance](https://iptf.co.uk/an-advisers-guide-to-accident-sickness-unemployment-asu-insurance/) - This ASU insurance guide explains key features, eligibility, underwriting, claims, costs and flexibility, with expert input from IPTF advisers and members.
- [From Mortgage-Led to Client-Led: How Menu Plans are Changing Protection Advice](https://iptf.co.uk/from-mortgage-led-to-client-led-how-menu-plans-are-changing-protection-advice/) - Aviva's Brianna Saraceno explores how menu plans help advisers build tailored, affordable Income Protection cover for every client.
- [Broadening term conversations to include Income Protection](https://iptf.co.uk/broadening-term-conversations-to-include-income-protection/) - In response to promising IP growth data, Swiss Re's Jennifer Gilchrist explores how advisers can broaden existing conversations to include Income Protection.
- [Improving Access to Vocational Rehabilitation: Scaling Up](https://iptf.co.uk/improving-access-to-vocational-rehabilitation-scaling-up/) - 9 in 10 people return to work with Vocational Rehabilitation. So why can't most access it? Dr Julie Denning and Jo Throp explore scaling up.
- [More Than A Policy: The Value of Value-Added Services](https://iptf.co.uk/more-than-a-policy-the-value-of-value-added-services/) - In Episode 2, host Vicky is joined by a panel of industry leaders to explore the real value of Value Added Services within Income Protection policies.
- [Income Protection bucked the trend in 2025](https://iptf.co.uk/income-protection-bucked-the-trend-in-2025/) - Income protection defied the market in 2025. Swiss Re's annual Term & Health Watch report reveals IP growth while new business fell across the broader sector.
- [What is a Lasting Power of Attorney and why is it important?](https://iptf.co.uk/what-is-a-lasting-power-of-attorney-and-why-is-it-important/) - Watch Georgia Parker and Billie Sharp break down Power of Attorney - what it is, why you need one, and what's at risk without it.
- [AS-who? It's Time to Call it ASR - Not ASU](https://iptf.co.uk/as-who-its-time-to-call-it-asr-not-asu/) - In this article, Jamie Leong explains why ASU should become ASR, replacing unemployment with redundancy for clearer consumer understanding and engagement.
- [The Rise of the Multi-Job Worker: What this means for Income Protection](https://iptf.co.uk/the-rise-of-the-multi-job-worker-what-this-means-for-ip/) - Dual occupations are increasing, making income protection harder to navigate. Robert Higgins explains how advisers can simplify conversations.
- [Misrepresentation: Understanding the Rise and Resetting the Narrative](https://iptf.co.uk/understanding-the-rise-and-resetting-the-narrative/) - Our first IPTF Industry Conversation explores the rise of misrepresentation in protection insurance and what the industry must do to reset the narrative.
- [Misrepresentation Matters](https://iptf.co.uk/misrepresentation-matters/) - Misrepresentation is when incorrect, incomplete, or misleading information is provided during an application process and it can have serious consequences.
- [Innocent Misrepresentation](https://iptf.co.uk/innocent-misrepresentation/) - Explore the timeline of an income protection claim in which innocent misrepresentation at application was identified by the insurer.
- [Deliberate Misrepresentation](https://iptf.co.uk/deliberate-misrepresentation/) - Explore how deliberate misrepresentation of medical information led to a claim denial, underlining the need for honesty in insurance applications.
- [Careless Misrepresentation](https://iptf.co.uk/careless-misrepresentation/) - Explore the timeline of a claim denial due to misrepresented medical facts, highlighting the critical need for precise insurance applications.
- [Story 3 - Misrepresentation Matters](https://iptf.co.uk/misrepresentation-matters-2/) - Story 3 breaks down misrepresentation in income protection - what it is, why it matters, and how it affects claim outcomes across the industry.
- [Misrepresentation in Income Protection Insurance: Challenges and Opportunities for Improvement](https://iptf.co.uk/misrepresentation-in-income-protection-insurance-challenges-and-opportunities-for-improvement/) - In this article, Jamie Lankey, Technical Services Director at RGI, explains how misrepresentation affects income protection claims and what the industry can do.
- [Story 6 – Shaping the Future of Claims](https://iptf.co.uk/story-6-shaping-the-future-of-claims/) - Story 6 of IPTF’s 7 Claims Stories explores AI in Protection Claims, reflecting on 25 years of change and what the future holds for claims.
- [AI in Claims: 5, 4, 3, 2, 1 – go!](https://iptf.co.uk/ai-in-claims-5-4-3-2-1-go/) - James Cowburn explores how AI can transform claims handling, while safeguarding human judgement, trust and the personal touch customers rely on most.
- [Digitisation in Claims – Where we have come from, where we are going, and the need for the ongoing ‘human touch’](https://iptf.co.uk/digitisation-in-claims-where-we-have-come-from-where-we-are-going-and-the-need-for-the-ongoing-human-touch/) - Andy MacIver explores how digitisation and AI are reshaping claims, and why balancing innovation with empathy is key to delivering better customer outcomes.
- [My journey through the evolving claims landscape](https://iptf.co.uk/my-journey-through-the-evolving-claims-landscape/) - Sally Phillips reflects on how claims has evolved from paper files to digital processes, and what that transformation means for customers and assessors today.
- [Story 1 - Guiding a client through a storm](https://iptf.co.uk/story-1-guiding-a-client-through-a-storm/) - Story 1 explores the adviser’s role in income protection claims, showing how support and evidence can speed up decisions and lead to better client outcomes.
- [Story 2 - Vocational Rehabilitation: Getting Back on Track](https://iptf.co.uk/vocational-rehabilitation-getting-back-on-track/) - Story 2 explores how vocational rehabilitation supports recovery and helps people return to work, featuring a real case study and an informative podcast.
- [Story 4 - Demystifying Income Protection Calculations](https://iptf.co.uk/demystifying-income-protection-calculations/) - Story 4 explains how cover is calculated, how claims are assessed, and how proportionate benefits work, with insight from Tom Salmon.
- [Story 5 - A Day in the Life of a Claims Assessor](https://iptf.co.uk/a-day-in-the-life-of-a-claims-assessor/) - Story 5 reveals the human side of protection claims, showing the emotional demands, real experiences, and vital need to support assessors’ wellbeing.
- [When Efficiency Costs Resilience: Protecting Claims Assessor Wellbeing in Income Protection](https://iptf.co.uk/when-efficiency-costs-resilience-protecting-claims-assessor-wellbeing-in-income-protection/) - This Empath AI article explores assessor wellbeing risks in income protection and proposes early interventions to protect judgement and mental health.
- [Digital, AI and IP: What ChatGPT Health Means for Our Market](https://iptf.co.uk/digital-ai-and-ip-what-chatgpt-health-means-for-our-market/) - Written by Vicky Churcher, Executive Director at the IPTF, this article explores what ChatGPT Health could mean for the income protection market.
- [What is Business Income Protection?](https://iptf.co.uk/what-is-business-income-protection/) - An overview of Business Income Protection for SMEs, covering Executive and Key Person cover, by Adam Higgs, Head of Protection, SJP.
- [Vocational Rehabilitation: The Missing Link in Income Protection](https://iptf.co.uk/vocational-rehabilitation-the-missing-link-in-income-protection-a-7-claims-story/) - Explore the role of vocational rehabilitation in income protection claims and how early, personalised support helps people return to work.
- [The Untapped Rising Demand for Business Income Protection](https://iptf.co.uk/the-untapped-rising-demand-for-business-income-protection/) - An in-depth guide to business income protection, exploring market demand, product options and how advisers can tailor solutions for SMEs.
- [Strategic Implementation of Vocal Biomarker Technology in Income Protection Insurance](https://iptf.co.uk/strategic-implementation-of-vocal-biomarker-technology-in-income-protection-insurance/) - A look at how vocal biomarker technology might be strategically applied in income protection insurance to enhance insight, health signals and future solutions.
- [Keep Britain Working - The Conversation (S2,E9)](https://iptf.co.uk/keep-britain-working-the-conversation-s2e9/) - This Let's Talk IP episode explores the Keep Britain Working report and what it means for income protection, advisers, and supporting people to stay in work.
- [How your mindset can make or break your IP advice (S2,E1)](https://iptf.co.uk/its-time-to-talk-mindset/) - This Let’s Talk IP episode explores mindset, mental health and how advisers can deliver more confident, effective income protection advice.
- [Guiding a client through a storm](https://iptf.co.uk/guiding-a-client-through-a-storm/) - Story 1 of the 7 Claims Stories initative examines how advisers can guide clients through income protection claims and support better outcomes.
- [About Vocational Rehabilitation](https://iptf.co.uk/about-vocational-rehabilitation/) - Learn how added health services and specialist vocational rehabilitation helps people manage illness, build confidence and safely return to work.
- [Rethinking Manhood on International Men's Day](https://iptf.co.uk/rethinking-manhood-on-international-mens-day/) - Insights from Cameron Erskine on men’s wellbeing, industry expectations, and how compassion and vulnerability strengthen connections.
- [A Summary of Story 5: The Emotional Demands of Claims Assessment](https://iptf.co.uk/a-summary-of-story-5-the-emotional-demands-of-claims-assessment/) - Vicky Churcher, Executive Director at the IPTF, shares a summary of Story 5, highlighting the emotional pressures and human stories within protection claims.
- [Introduction - Story 5: A Day in the Life of a Claims Assessor](https://iptf.co.uk/introduction-story-5-a-day-in-the-life-of-a-claims-assessor/) - Phil Deacon, IPTF 7 Stories Lead, introduces Story 5: A Day in the Life of a Claims Assessor, outlining what to expect from this powerful new industry insight.
- [Thirty Years in Claims: The Human Side of Protection](https://iptf.co.uk/thirty-years-in-claims-the-human-side-of-protection/) - This blog uncovers the real impact of protection claims work - complex decisions, emotional conversations, and the need for compassion in every case.
- [Moral Injury](https://iptf.co.uk/moral-injury/) - Story 5 of the 7 Claims Initiative explores the moral injury faced by claims assessors. Read the full blog to learn why their vital role needs better support.
- [Profile of an IP Customer: Gender](https://iptf.co.uk/profile-of-an-ip-customer-gender/) - Women and IP - Are We There Yet? (No!)
- [The Pitfall of Over-Insurance in Income Protection: A Claims Perspective](https://iptf.co.uk/the-pitfall-of-over-insurance-in-income-protection-a-claims-perspective/) - A common misconception in income protection is the belief that more cover is always better but, being over-insured can be problematic.
- [Calculating how much cover an IP applicant needs](https://iptf.co.uk/calculating-accurately-how-much-cover-an-ip-applicant-needs/) - Learn how to use the correct earnings figure to accurately calculate income protection cover for employed and self-employed applicants.
- [Returning to work - Proportionate Benefit](https://iptf.co.uk/returning-to-work-proportionate-benefit/) - Learn how to calculate proportionate benefits - an essential step in understanding and advising on income protection policies
- [Understanding the Calculation used at Claim](https://iptf.co.uk/understanding-the-calculation-used-at-claim/) - Learn how to assess income protection claims by establishing insured earnings in the 12 months before the Date of First Absence (DFA).
- [Consumer Duty is Changing How We Protect Clients Forever (S2,E8)](https://iptf.co.uk/consumer-duty-is-changing-how-we-protect-clients-forever-s2e8/) - Consumer Duty is reshaping protection advice, shifting focus from box-ticking to real client outcomes, clear communication, and meaningful financial security.
- [Mike's Story](https://iptf.co.uk/mikes-story/) - This case study focuses on Mike, who received specialist vocational rehabilitation and was able to return to work following a serious brain injury.
- [As Protection Advisers](https://iptf.co.uk/as-protection-advisers/) - As protection advisers, it's easy to fall into the trap of sticking with what’s quick, easy and familiar – the menu plan. One application, one provider.
- [The importance of Multi Benefit Proposition in the Individual Protection Market](https://iptf.co.uk/the-importance-of-multi-benefit-proposition-in-the-individual-protection-market/) - Multi benefit propositions have become a key part of the individual protection market. So how can the Protection Platform from Underwriteme help?
- [Menu and Multi-Benefit Plans: A Smarter Way to Approach Protection (S2,E7)](https://iptf.co.uk/menu-and-multi-benefit-plans-a-smarter-way-to-approach-protection/) - Menu and multi-benefit plans allow advisers to build solutions that can adapt with clients through life’s changes, rather than staying locked in the past.
- [Understanding the Psychology of Selling Insurance with Julie Botha from Vitality (S1,E5)](https://iptf.co.uk/understanding-the-psychology-of-selling-insurance-with-julie-botha-from-vitality-s1e5/) - In the realm of income protection sales, the ability to engage and educate clients is paramount. This task is all about transforming the dry technicalities of insurance into a compelling narrative that resonates with the client. The latest podcast episode featuring Julie from Vitality delves into this very subject, exploring the blend of storytelling and
- [To Retirement or not To Retirement – IP is the Question](https://iptf.co.uk/to-retirement-or-not-to-retirement-ip-is-the-question/) - Andrew Wibberley, Co-chair, Income Protection Task Force (IPTF) In the last of our articles digging into Iress’s data to better understand the Income Protection market we’re looking at some of the differences between short term IP (for 1,2 or 5 yrs) and IP to retirement. There is no doubt that much of the growth
- [Profile of an IP Customer: Additional Services](https://iptf.co.uk/profile-of-an-ip-customer-additional-services/) - Vicky Churcher, Co-Chair, IPTF, examines how value-added services are being utilised for income protection propositions, as well as what work needs to be done to improve usage.
- [Prioritising Income Protection During the Mortgage Advice Process with Ollie Basnett (S1,E7)](https://iptf.co.uk/prioritising-income-protection-during-the-mortgage-advice-process-with-ollie-basnett-s1e7/) - v Income protection is a pivotal element in the mortgage advice process, particularly for new home buyers. The episode kicks off with an introduction to Ollie Basnett, who brings extensive experience in the new build sector and various financial services roles. His expertise provides a solid foundation for understanding the importance of safeguarding income sources
- [The Untapped Power of Mutual and Friendly Societies in Income Protection (S2,E3)](https://iptf.co.uk/lets-talk-income-protection-s2e3/) - Mutual and friendly societies represent a significant sector of the UK protection market. With the Labour government’s recent commitment to double the size of the mutual finance sector, advisers have a timely opportunity to reconsider these providers as valuable alternatives to mainstream insurers. The fundamental difference between mutuals and traditional insurance companies lies in their
- [Integrating Income Protection with Sarah Parkin of Hollybeck (S1,E6)](https://iptf.co.uk/integrating-income-protection-with-sarah-parkin-of-hollybeck-s1e6/) - The world of financial planning is vast and complex, yet one element often overlooked is income protection. In the recent episode of “Let’s Talk Income Protection,” Sarah Parkin from Hollybeck explains how to embed income protection into financial advisory services. With her extensive background transitioning from TSB Bank to Mortgage Advice Bureau, Sarah brings a
- [Doctor, doctor! Which protection policy should I buy? ](https://iptf.co.uk/doctor-doctor-which-protection-policy-should-i-buy/) - "We're seeing more and more medical professionals go private and set up limited companies, losing their sick pay but increasing their earnings. They are fully aware what a great benefit they're losing and that it needs replacing."
- [Celebrating a Decade of Impact: The 7 Families Project and Humanising Income Protection (S1,E4)](https://iptf.co.uk/celebrating-a-decade-of-impact-the-7-families-project-and-humanising-income-protection-s1e4/) - The latest episode of “Let’s Talk Income Protection” serves as a poignant reminder of the importance of humanising financial safety nets, with a particular focus on the 7Families Project, an initiative that has left a mark on the income protection landscape. Celebrating its 10-year anniversary, Karen Lloyd, a respected member of the IPTF, shares her
- [Breaking Financial Taboos with Andrew Russell (S1,E8)](https://iptf.co.uk/breaking-financial-taboos-with-andrew-russell-s1e8/) - In the latest episode of our podcast, we delve into the world of income protection (IP) with industry expert Andrew Russell from Mortgage Quest. Andrew shares his journey in the financial industry, offering invaluable insights into building a robust client base, effective client education, and the importance of income protection in today’s unpredictable world. One
- [A GP Writes - 7 Ways To Beat The Winter Blues](https://iptf.co.uk/a-gp-writes-7-ways-to-beat-the-winter-blues/) - Author: Dr Debs Basu-Choudhri, GP, Teladoc Health UK Winter low mood or depression, known as Winter Blues (Seasonal Affective Disorder/ SAD), can affect up to two million people in the UK each year, including children. In this article, we look at the symptoms of Winter Blues plus seven ways to reduce symptoms. Symptoms of Winter
- [How can value added services support people managing breast cancer?](https://iptf.co.uk/how-can-value-added-services-support-people-managing-breast-cancer/) - Steve Casey – Marketing Director, Square Health. We all appreciate that a diagnosis of breast cancer can be very worrying and overwhelming for all concerned. Patients are often rocketed instantly into a world of hospital appointments, diagnostic tests, new terminology and language which can be confusing and frightening. Fortunately, there is a lot more awareness
- [The Adviser's Guide to Building a Personal Brand in the Digital Age (S2,E6)](https://iptf.co.uk/the-advisers-guide-to-building-a-personal-brand-in-the-digital-age-s2e6/) - In today’s digital world, financial advisers face a growing challenge: visibility. As guest Rosalia Lazara puts it in our latest podcast episode, “Visibility is the new currency.” It’s a statement that reflects a key truth in 2025 — if potential clients can’t find you online, they may not find you at all. This episode explored
- [Why Women Struggle to Protect Their Income: Insights and Solutions (S2,E2)](https://iptf.co.uk/lets-talk-income-protection-podcast-s2e2/) - In our recent podcast episode, we tackle the pressing issue of the gender gap in income protection, shedding light on why women remain underserved in this vital aspect of financial security. With insightful discussions from industry experts Rose St Louis of Scottish Widows and Joanna Streams of Velvet Mortgages, we delved into the research revealing
- [Unlocking Business Protection (S2,E4)](https://iptf.co.uk/unlocking-business-protection/) - Business protection represents just 1% of annual protection sales in the United Kingdom. Most advisers are comfortable discussing personal protection, but many hesitate when it comes to business protection. This hesitation creates a significant gap in protection for business owners and their employees. The reality is that a business owner’s personal wealth is inextricably linked
- [Life's Uncertainties Need not Spell Disaster - How IP safeguarded Tracey Boyd's client (S1,E3)](https://iptf.co.uk/lifes-uncertainties-need-not-spell-disaster-how-ip-safeguarded-tracey-boyds-client-s1e3/) - In a world where uncertainties abound, particularly in the realm of health and finances, the story of Tracy Boyd and Damian Bamford stands as a testament to the power of income protection. Their journey underscores the vital role that income protection plays in securing financial stability amid life’s unpredictabilities. This blog post delves into the
- [Embracing the Lifeline of Income Protection with Hanna McKallip and Charlotte Rogers (S1,E2)](https://iptf.co.uk/embracing-the-lifeline-of-income-protection-with-hanna-mckallip-and-charlotte-rogers-s1e2/) - Income protection is an aspect of financial planning that often gets overlooked. However, in the latest episode of ‘Let’s Talk Income Protection,’ financial advisers Hannah McKallip and Charlotte Rogers shine a light on the importance of securing one’s income against unforeseen events. Their personal stories and professional experiences serve as a powerful testament to the
- [Fortifying Your Client's Finances with Expert Income Protection Advice (S1,E1)](https://iptf.co.uk/fortifying-your-clients-finances-with-expert-income-protection-advice-s1e1/) - When we think about financial planning, what often comes to mind is saving, investing, and perhaps pension planning. But one crucial aspect that is frequently overlooked is the concept of income protection—an insurance that acts as a safety net for your finances, ensuring that even if you’re unable to work due to illness or injury,
- [Why More Advisers Are Turning to Friendly Societies & Mutuals for Income Protection](https://iptf.co.uk/why-more-advisers-are-turning-to-friendly-societies-mutuals-for-income-protection/) - Tracey Boyd - Managing Director, Mortgage Hub Expert Lately, I’ve been writing more income protection policies with Friendly Societies and Mutual insurers. This isn’t a coincidence - more advisers across wealth, financial, protection, and mortgage sectors are turning to these providers. But why? Let’s break it down. What Sets Friendly Societies & Mutuals Apart?
- [Stronger together: How mutual societies have stood the test of time](https://iptf.co.uk/stronger-together-how-mutual-societies-have-stood-the-test-of-time/) - Phil Nash, Chief Sales Officer at Shepherds Friendly, says mutual societies have stood the test of time because their ethos remains consistent with their origins – their members come first and always will. Resilience is about standing strong across generations and adapting while staying true to core values. Few financial institutions embody this better than
- [Is it time for the return of Standalone Unemployment Cover?](https://iptf.co.uk/is-it-time-for-the-return-of-standalone-unemployment-cover/) - Why is the IPTF talking about Unemployment Cover? At IPTF, we believe safeguarding income is not a luxury—it’s a necessity. Whether people are in full-time employment, a self-employed entrepreneur, or a gig worker balancing multiple jobs, earnings are the lifeblood that supports lifestyle, family, and future. Traditionally, our focus has been on conventional Income Protection,
- [The Role of ASU Insurance in Financial Protection](https://iptf.co.uk/the-role-of-asu-insurance-in-financial-protection/) - By Ian Sawyer, Commercial Director at Howden Life & Health In today’s uncertain economic climate, financial resilience is more crucial than ever. Accident, Sickness & Unemployment (ASU) insurance is becoming more popular and should be considered for some individuals who want a short-term income safety net. While it is not an alternative to traditional income
- [Where do I turn if IP isn’t suitable for my client?](https://iptf.co.uk/where-do-i-turn-if-ip-isnt-suitable-for-my-client/) - Income Protection (IP) is undoubtedly a great product – a product that’s gained significant traction over the past couple of years. Numbers from Gen Re’s latest Protection Pulse stats show a 7% growth in APE compared to the previous year. In Q3 2024 IP accounted for 14% of Protection APE – up from 12% in
- [20 Years of Underwriting Breast Cancer](https://iptf.co.uk/20-years-of-underwriting-breast-cancer/) - Sue Seymour – Chief Underwriter at Cirencester Friendly. Many statistics will be published during Breast Cancer Awareness month. As statistics are at the heart of my profession as an underwriter, I think it is worth noting a few: Breast cancer is the most common cancer in the UK (15% of new cases) 1 Every year
- [Profile of an IP Customer: Age](https://iptf.co.uk/profile-of-an-ip-customer-age/) - A COVER, IPTF and Iress series
- [Smokin' hot topics](https://iptf.co.uk/smokin-hot-topics/) - Andrew Wibberley, co-chair, Income Protection Task Force (IPTF), discusses the evolution of smoking and its relationship with income protection (IP).
- [Let's Talk IP Podcast](https://iptf.co.uk/podcast/) - Introducing “Let’s Talk IP,” presented by Matthew Chapman, The Protection Coach, proudly brought to you by the Income Protection Task Force (IPTF). Join us as we look beyond financial advice, focusing on income protection, a subject often overlooked but undeniably vital for financial resilience. In each episode, Matthew Chapman, renowned as The Protection Coach, along
- [IPTF Inaugural Event](https://iptf.co.uk/education-collaboration-and-insight/) - In true IPTF style, our first event was focus on actions and not just talking, and our round robin exercise had people out of their seats and sharing ideas with industry peers on topics as diverse as innovation, customers, adviser training and future focus.
- [Turning awareness into action. ](https://iptf.co.uk/turning-awareness-into-action/) - In today's rapidly changing world, the ability to adapt to new situations and embrace change is essential.
- [7 Advisers](https://iptf.co.uk/7advisers/) - We follow 7 different advisers in their professional lives
- [IPAW 2024](https://iptf.co.uk/ipaw-2024/) - Free to attend online events highlighting the need for, and features of income protection to advisers of all levels of experience.
- [7 Families](https://iptf.co.uk/7-families/) - The Seven Families project ran from 2014-2016 and set out to raise awareness of the financial impact of long-term illness and to highlight the impact of income protection; to help real families facing financial meltdown and to demonstrate the value of rehabilitation and counselling, through trying to help people get back to work. We took

## Pages

- [Home](https://iptf.co.uk/) - The Income Protection Task Force (IPTF) exists to raise awareness, provide education, and increase understanding and sales of income protection.
- [Government and Regulator Correspondence](https://iptf.co.uk/government-correspondence/) - At the IPTF, we're engaging with the government to lay out practical recommendations for how the protection industry can support and strengthen welfare reforms.
- [7 Families Revisited](https://iptf.co.uk/7-families-revisited/) - Twelve years later: discover where the 7Families are now and how Income Protection shaped their recovery after life-changing illness.
- [About us](https://iptf.co.uk/about/) - We’re the Income Protection Task Force (IPTF) and since 2005, we’ve been working to raise awareness and boost sales of income protection across the UK.
- [Wisdom Wednesday](https://iptf.co.uk/wisdom-wednesday/) - IPTF Wisdom Wednesday delivers practical CPD and bite-sized learning, combining monthly Academy content with Airi, our AI education assistant.
- [Case Studies](https://iptf.co.uk/case-studies/) - Use our case studies to demonstrate income protection in action, using real-life scenarios to support clearer, more meaningful client conversations.
- [Events and Webinars Hub](https://iptf.co.uk/events-and-webinars-hub/) - Explore upcoming IPTF events and webinars, or catch up on demand with expert insight, practical ideas and industry discussion.
- [Adviser Tools](https://iptf.co.uk/adviser-tools/) - This section offers financial advisers a range of practical resources to support client conversations about income protection.
- [AI Support](https://iptf.co.uk/ai-support/) - Explore practical AI tools and resources designed to help financial advisers and businesses
- [The Adviser Voice](https://iptf.co.uk/the-adviser-voice/) - The Adviser Voice Research findings from a cross section of protection advisers regarding service, underwriting, technology and the future of Income Protection advice, with practical recommendations for Providers and those who support the industry Key Findings From the Report 15 practicing protection specialists surveyed 1 top priority is underwriting quality and speed 73 already using
- [Education](https://iptf.co.uk/education/) - IPTF makes income protection easy to understand through podcasts, videos, workshops, and case studies - helping everyone make informed financial choices.
- [Industry Reports](https://iptf.co.uk/industry-reports/) - A collection of industry reports from our members, providing expert insights, emerging trends, and analysis focused on income protection.
- [7Families](https://iptf.co.uk/7families/) - 7 Families is an IPTF-led charity campaign giving a year of tax-free income to seven people affected by serious illness or disability.
- [Collaboration](https://iptf.co.uk/collaboration/) - We champion collaboration across the industry, bringing insurers, advisers and key stakeholders together through initiatives and strategic partnerships.
- [Financial Foundations](https://iptf.co.uk/financial-foundations/) - Coming Soon… Financial Foundations Financial Foundations is a voluntary initiative that brings financial education into schools, colleges and community settings. Delivered by financial services professionals, the aim is to help young people develop the knowledge and skills to manage their money effectively Register your Interest
- [Profile of an IP Customer](https://iptf.co.uk/profile-of-an-ip-customer/) - Discover the evolving profile of today’s Income Protection customer. Explore key trends, demographic shifts, and insights shaping products and markets
- [Let's Talk IP Podcast](https://iptf.co.uk/lets-talk-ip-podcast/) - Let’s Talk Income Protection is the IPTF's official podcast, designed to educate, engage, and inspire financial professionals in the field of Income Protection.
- [IPAW 2026](https://iptf.co.uk/ipaw-2026/) - IPAW 2026 21st - 25th September 2026 (12-1pm) Income Protection Action Week (IPAW) is our annual online event, created to highlight the importance of income protection. Throughout the week, we host a series of sessions, from expert panels and real-life case studies to practical skills and honest industry conversations, all aimed at helping to start
- [Income Protection basics](https://iptf.co.uk/income-protection-basics/) - Learn income protection basics with IPTF member Holloway, who debunk common myths and explain key facts to help you better understand income protection.
- [Industry Conversations](https://iptf.co.uk/industry-conversations/) - IPTF Industry Conversations brings together protection industry experts to discuss topical issues, share insights and explore practical solutions.
- [Affiliates](https://iptf.co.uk/affiliates/) - We work hand in hand with our affiliates to raise awareness and understanding of income protection. By uniting our efforts, we can better support the industry.
- [Distributors](https://iptf.co.uk/distributors/) - We work collaboratively with distributors across the industry to equip advisers with the knowledge, insights and tools they need to succeed.
- [Insurer and Reinsurer Members](https://iptf.co.uk/insurer-members/) - Explore the IPTF's insurer and reinsurer members and discover more about their services through direct links to each organisation's website.
- [7Advisers](https://iptf.co.uk/7advisers/) - The 7 Advisers campaign follows 7 advisers throughout the year, offering a behind-the-scenes look into their professional lives.
- [Financial Education in Schools](https://iptf.co.uk/financial-education-in-schools/) - Our affiliate, TISA, have pulled together key facts on Financial Education to highlight the rationale for providing effective financial education in schools,
- [IPTF Ambassadors](https://iptf.co.uk/7ambassadors/) - Previously 7Advisers, our IPTF Ambassadors continue to champion expertise, collaboration and awareness in income protection.
- [Our blogs](https://iptf.co.uk/our-blogs/) - Explore our blogs for expert insight, real stories and practical guidance on income protection. Filter by topic and stay informed with industry updates.
- [7 Claims Stories](https://iptf.co.uk/7-claims-stories/) - This collaborative initiative aims to shine a light on the income protection claims process to drive change for better outcomes.
- [Value Added Services](https://iptf.co.uk/value-support-services/) - Discover value-added services in income protection and read case studies highlighting their benefits for customers and claims outcomes.
- [Protect your everyday - The Building Blocks of Life](https://iptf.co.uk/protect-your-everyday-the-building-blocks-of-life/) - Protect your everyday – The Building Blocks of Life ‘Protect your everyday: The Building Blocks of Life’ is the IPTF’s animated consumer video, designed to help advisers explain as part of their regulated advice process, what income protection is and why it matters when an income is lost. Protect your everyday: The Building Blocks of
- [Support Services and Technology Members](https://iptf.co.uk/support-services-and-technology-members/) - Our Support Services and Technology members provide the specialist services and digital platforms that support income protection.
- [IPAW 2025 Resources](https://iptf.co.uk/ipaw-2025-resources/) - Watch the replays from IPAW 2025 and check out the associated resources to further your understanding of Income Protection.
- [Rehabilitation Case Studies](https://iptf.co.uk/rehabilitation-case-studies/) - This series of vocational assessment and rehabilitation case studies from Krysalis explore how tailored support can facilitate recovery and return to work.
- [Podcasts](https://iptf.co.uk/podcasts/) - Listen to top podcasts with expert insights on income protection, ideal for advisers and anyone looking to grow their financial knowledge.
- [Accident and ASU](https://iptf.co.uk/accident-and-asu/) - We are broadening our approach to include ASU (Accident, Sickness, Unemployment) and accident-only propositions to ensure everyone has income protection.
- [Income Protection](https://iptf.co.uk/insurer-and-provider-case-studies/) - Income Protection Case Studies Watch Anne’s story here. Anne’s Story (Cirencester Friendly, July 2024) The importance of income protection must be seen to be believed, and Anne’s story is a captivating, real life example of just that. Cirencester Friendly have produced their first-ever Member testimonial film, giving you the opportunity to showcase the significance of having income protection
- [Member Claims Stats](https://iptf.co.uk/member-claims-stats/) - Key data from IPTF members on income protection claims to better understand how income protection is performing across the market.
- [Calculators](https://iptf.co.uk/calculators/) - Advisers can use a needs-based calculator to estimate the appropriate level of income protection. Use our members calculators to determine just how much.
- [Underwriting Guides](https://iptf.co.uk/underwriting-guides/) - Explore underwriting guides from IPTF members to gain insights, best practices, and tips to support your clients with confidence.
- [Vulnerability Guide](https://iptf.co.uk/vulnerability-guide/) - A guide from The Financial Vulnerability Taskforce and the Consumer Duty Alliance offering clarity and a practical checklist for supporting vulnerable clients.
- [Terms](https://iptf.co.uk/terms/) - Read the IPTF’s website terms, including information use, liability limitations, external links and copyright details.
- [Privacy Policy](https://iptf.co.uk/privacy-policy/) - This Privacy Notice explains how IPTF collects, uses, shares and protects your personal information when you use our website or services.
- [Mental Health Insights](https://iptf.co.uk/mental-health-insights/) - At the IPTF, we share insight on mental health, its impact on personal finances, and how income protection can provide vital support during difficult times.
- [IPTF Inaugural Event](https://iptf.co.uk/iptf-inaugural-event/) - A recap of the IPTF’s inaugural face-to-face event, celebrating education, collaboration and insight with members and industry experts.
- [IPAW 2024](https://iptf.co.uk/ipaw-2024/) - Discover our resources and watch highlights from Income Protection Action Week (IPAW) 2024 to help take your income protection advice to the next level.
- [IPAW 2023 and 2022](https://iptf.co.uk/ipaw-2023-resources/) - Discover our resources and watch the highlights from Income Protection Action Week (IPAW) 2022 and 2023 to help you better understand income protection.
- [Glossary of IP terms](https://iptf.co.uk/glossary-of-ip-terms/) - An IPTF-produced glossary, available to download, offering a clear foundation for understanding income protection terminology.
- [CIExpert Insight Zone](https://iptf.co.uk/ciexpert-insight-zone/) - CIExpert’s Income Protection Insight Zone gives advisers practical tools and clear insight into policy options, supporting better customer outcomes.
- [Market Data](https://iptf.co.uk/market-data/) - Gain insights into income protection performance with market data from NMG Consulting and Gen Re, covering sales trends and performance.
- [Breast Cancer](https://iptf.co.uk/breast-cancer-2/) - The IPTF marks Breast Cancer Awareness Month with insights on breast cancer in income protection and personal stories raising awareness.
- [Insights](https://iptf.co.uk/insights/) - Knowledge is power, and at the IPTF, we're committed to uncovering the insights that shape the future of income protection.
- [IPTF Events](https://iptf.co.uk/iptf-events/) - Our mid-year events bring together the industry for learning, collaboration and reflection, recognising achievements in income protection and looking ahead.
- [IPAW 2025](https://iptf.co.uk/ipaw-2025/) - IPAW is our annual online event at the IPTF, created to highlight the importance of income protection, how income protection works and why it matters.
- [Business Income Protection](https://iptf.co.uk/business-income-protection/) - At the IPTF, we empower advisers through education to meet their clients’ business income protection needs, strengthening support in this undersold market.
- [Women's Financial Resilience](https://iptf.co.uk/womens-financial-resilience/) - This area explores the realities behind women’s financial wellbeing and highlights the role our industry can play in supporting lasting financial security.
- [IPTF 2025 Mid-Year Event](https://iptf.co.uk/iptf-2025-mid-year-event/) - Our 2025 IPTF Mid-Year Event brought together advisers, members, and friends of the industry to mark our 20th anniversary.
- [Objection Handling](https://iptf.co.uk/objection-handling/) - Gary Waters, Protection Academy, shares expert insights and practical tips to help advisers effectively navigate and address customer objections.
- [IPAW 2025 Review Competition Terms & Conditions](https://iptf.co.uk/ipaw-2025-review-competition-terms-conditions/) - IPAW 2025 Review Competition Terms & Conditions
- [ASU Matrix](https://iptf.co.uk/asu-matrix/) - Explore our ASU Matrix - a simple side-by-side guide to Accident, Sickness & Unemployment products, helping advisers compare options at a glance.
- [Sustainability](https://iptf.co.uk/sustainability/) - IPTF member Vitality champions sustainability in the health, life, and income protection industry. Here we share some of their key insights
- [IPAW 2024 Resources](https://iptf.co.uk/ipaw-2024-resources/) - IPAW is an annual event organised by the IPTF to highlight the importance of income protection. IPAW 2024 took place from Monday 23rd to Friday 27th September.
- [Mental Health](https://iptf.co.uk/mental-health/) - The IPTF, its members and affiliates are committed to providing education regarding Mental Health to support adviser and industry colleagues wellness.
- [Misrepresentation Case Studies](https://iptf.co.uk/misrepresentation-case-studies/) - These case studies highlight the differences between innocent, careless and deliberate misrepresentation, and how each one can impact the outcome of a claim.
- [Market Data Q4 2024](https://iptf.co.uk/market-data-q4-2024/) - Market Data Q4 2024
- [Market Data 2024](https://iptf.co.uk/market-data-2024-2/) - NMG Market Data 2024
- [Market Data Q1 2024](https://iptf.co.uk/market-data-q1-2024/) - Market Data Q1 2024 Click here to download a one-page document from NMG on the state of protection.
- [Market Data Q2 2024](https://iptf.co.uk/market-data-q2-2024/) - Market Data Q2 2024 Income protection has seen a powerful 8% growth in Q2 and continues to be a standout performer in a tough market. Click here to download the Protection Pulse H1 2024 Update for more information. NMG Graphic IPAW 2024 Click here to download the graphic.
- [Market Data Q3 2024](https://iptf.co.uk/market-data-q3-2024/) - Market Data Q3 2024
- [About 2](https://iptf.co.uk/about-2/) - We support the income protection industry, raise awareness and have more conversations about income protection. Revision 2 About We’re the Income Protection Task Force, but you can call us IPTF. Since 2005, we’ve been working to raise awareness and boost sales of income protection across the UK. We’re a not-for-profit group funded by our members,
- [2023](https://iptf.co.uk/2023-2/) - 2023 32 years of Income Protection Sales Using data from Swiss Re Term and Health Watch, this graph illustrates the trends in the market for individual long-term IP sales over the past three decades. Source: Swiss Re Term and Health Watch
- [IPTF and Breast Cancer Now - for Breast Cancer Awareness Month](https://iptf.co.uk/iptf-and-breast-cancer-now/) - IPTF and Breast Cancer Now – for Breast Cancer Awareness Month In acknowledgement of Breast Cancer Awareness Month in October, IPTF will be organising a series of fundraising activities within the Protection industry community. IPTF will be hosting a public health talk in association with the charity Breast Cancer Now. On Tuesday 29 October at
- [General Holistic Protection](https://iptf.co.uk/general-holistic-protection/) - General Holistic Protection Case studies to follow.
- [IPAW 2024 - CPD Certificate Friday 27 September](https://iptf.co.uk/ipaw-2024-cpd-certificate-friday-27-september/) - IPAW 2024 – CPD Certificate for Friday 27 September Download your CPD Certificate - for Friday 27 September
- [IPAW CPD Certificate - Thursday 26 September 2024](https://iptf.co.uk/ipaw-cpd-certificate-thursday-26-september-2024/) - IPAW 2024 – CPD Certificate for Thursday 26 September Download your CPD Certificate - for Thursday 26 September
- [IPAW CPD Certificate - Wednesday 25 September 2024](https://iptf.co.uk/ipaw-cpd-certificate-wednesday-25-september-2024/) - IPAW 2024 – CPD Certificate for Wednesday 25 September Download your CPD Certificate - for Wednesday 25 September 2024
- [IPAW CPD Certificate - Tuesday 24 September](https://iptf.co.uk/ipaw-cpd-certificate-tuesday-24-september/) - IPAW 2024 – CPD Certificate for Tuesday 24 September Download your CPD Certificate - for Tuesday 24 September 2024
- [IPAW CPD Certificate - Monday 23 September 2024](https://iptf.co.uk/ipaw-cpd-certificate-23-sept-2024/) - IPAW 2024 – CPD Certificate for Monday 23 September Download your CPD Certificate - for Monday 23 September 2024
- [Affiliations in the press](https://iptf.co.uk/affiliations/) - IPTF Affiliations in the news Consumer Duty Alliance Cover Magazine: IPTF Joins Consumer Alliance Membership Money Marketing: IPTF Joins Consumer Duty Alliance Mortgage Industry Mental Health Charter Money Age: IPTF and MIMCH Launch Strategic Collaboration Cover Magazine: IPTF Partners with MIMHC
- [Home 2](https://iptf.co.uk/home-2/) - Income Protection Task Force Hello, we’re the IPTF.We support the industry to help illustrate the value of income protection. This website is currently being refreshed with a new brand identity and updated content. We’re working hard to bring you an improved IPTF experience. Please bear with us during this time. The updated site will be

## Social Icon Sets

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- [Podcast Social Media Links](https://iptf.co.uk/wpzoom-shortcode/podcast-social-media-links/)

## Categories

- [Uncategorized](https://iptf.co.uk/category/uncategorized/)
- [Insights](https://iptf.co.uk/category/insights/)
- [Education](https://iptf.co.uk/category/education/)
- [Podcast](https://iptf.co.uk/category/podcast/) - Let’s Talk Income Protection is the official podcast of the IPTF, designed to educate, engage, and inspire financial professionals in the field of Income Protection. We tackle industry challenges, explore evolving trends, and provide practical insights to help advisers better serve their clients.
- [Collaboration](https://iptf.co.uk/category/collaboration/)
- [7 Advisers](https://iptf.co.uk/category/7-advisers/)
- [7 Families](https://iptf.co.uk/category/7-families/)
- [Education - Homepage](https://iptf.co.uk/category/education/eduction-homepage/)
- [IPAW - Homepage](https://iptf.co.uk/category/education/ipaw-homepage/)
- [About - Homepage](https://iptf.co.uk/category/insights/about-homepage/)
- [Profile of an IP Customer](https://iptf.co.uk/category/profile-of-an-ip-customer/)
- [Breast Cancer](https://iptf.co.uk/category/breast-cancer/)
- [Mental Health](https://iptf.co.uk/category/mental-health/)
- [ASU](https://iptf.co.uk/category/asu/)
- [ASU education](https://iptf.co.uk/category/asu-education/)
- [7 Claims Stories](https://iptf.co.uk/category/7-claims-stories/)
- [Mutuals & Friendlies](https://iptf.co.uk/category/mutuals-friendlies/)
- [Business IP](https://iptf.co.uk/category/business-ip/)
- [Season 2](https://iptf.co.uk/category/podcast/season-2/)
- [Story 2](https://iptf.co.uk/category/7-claims-stories/story-2/)
- [Story 1](https://iptf.co.uk/category/7-claims-stories/story-1/)
- [Podcast](https://iptf.co.uk/category/7-claims-stories/story-2/podcast-story-2/)
- [Story 3](https://iptf.co.uk/category/7-claims-stories/story-3/)
- [Empath AI](https://iptf.co.uk/category/7-claims-stories/story-3/empath-ai/)
- [Case Study 2](https://iptf.co.uk/category/7-claims-stories/story-3/case-study-2/)
- [Case Study 1](https://iptf.co.uk/category/7-claims-stories/story-3/case-study-1/)
- [Case Study 3](https://iptf.co.uk/category/7-claims-stories/story-3/case-study-3/)
- [Mike's Story](https://iptf.co.uk/category/7-claims-stories/story-2/mikes-story/)
- [About Vocational Rehab](https://iptf.co.uk/category/7-claims-stories/story-2/about-vocational-rehab/)
- [Podcast Article](https://iptf.co.uk/category/7-claims-stories/story-2/podcast-article/)
- [Misrepresentation Matters](https://iptf.co.uk/category/7-claims-stories/story-3/misrepresentation-matters/)
- [Story 4](https://iptf.co.uk/category/7-claims-stories/story-4/)
- [Calculation at claim](https://iptf.co.uk/category/7-claims-stories/story-4/calculation-at-claim/)
- [IP Cover](https://iptf.co.uk/category/7-claims-stories/story-4/ip-cover/)
- [Proportionate Benefit](https://iptf.co.uk/category/7-claims-stories/story-4/proportionate-benefit/)
- [Story 5](https://iptf.co.uk/category/7-claims-stories/story-5/)
- [7 Claims](https://iptf.co.uk/category/7-claims/)
- [Story 5 (7 Claims)](https://iptf.co.uk/category/7-claims/story-5-7-claims-7-claims/)
- [Story 4 (7 Claims)](https://iptf.co.uk/category/7-claims/story-4-7-claims/)
- [Story 3 (7 Claims)](https://iptf.co.uk/category/7-claims/story-3-7-claims/)
- [Story 2 (7 Claims)](https://iptf.co.uk/category/7-claims/story-2-7-claims/)
- [Story 1 (7 Claims)](https://iptf.co.uk/category/7-claims/story-1-7-claims/)
- [Digital and AI](https://iptf.co.uk/category/digital-and-ai/)
- [Story 6](https://iptf.co.uk/category/7-claims/story-6/)
- [Story 6](https://iptf.co.uk/category/7-claims-stories/story-6-7-claims-stories/)
- [My journey through the evolving claims landscape](https://iptf.co.uk/category/7-claims-stories/story-6-7-claims-stories/my-journey-through-the-evolving-claims-landscape/)
- [Digitisation in claims](https://iptf.co.uk/category/7-claims-stories/story-6-7-claims-stories/digitisation-in-claims/)
- [AI in claims](https://iptf.co.uk/category/7-claims-stories/story-6-7-claims-stories/ai-in-claims/)
- [Misrepresentation](https://iptf.co.uk/category/misrepresentation/)
- [Industry Conversations](https://iptf.co.uk/category/education/industry-conversations/)

## Tags

- [Occupation](https://iptf.co.uk/tag/occupation/)