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Wisdom Wednesday

We’re building on our commitment to provide practical education with the launch of Wisdom Wednesday. Each month brings structured CPD through the Academy, and is supported by our AI powered team, Airi, Ash, Iris, Rae and Arlo, who share learning and practical insights across our channels every Wednesday.

Our AI team

Airi, Ash, Iris, Rae and Arlo are the IPTF’s AI-powered education team. Created to support advisers with clear and accessible learning, they help build confidence in Income Protection through bite-sized weekly learning and practical insights. New videos are released every Wednesday across all our Social Media so make sure you’re following us!

IPTF Academy

Our academy documents provide structured, practical CPD aligned to each month’s theme. They offer context, analysis and clear adviser takeaways, using data and insight from IPTF research and market reports. Academy documents are released on the last Wednesday of each month so check back for the latest learning.

Menu and Multi-Benefit Plans

Menu plans allow advisers to combine multiple protection products, such as life insurance, critical illness cover, and Income Protection, within a single flexible policy structure. This approach enables advisers to build comprehensive protection strategies while tailoring cover to each client’s individual needs and financial circumstances. By understanding how menu plans operate and the advantages they offer, advisers can enhance their protection conversations and help more clients build long-term financial resilience.

Download the Academy Document

This month, Iris took a closer look at Menu and Multi-Benefit plans. The series covers what Menu/Multi Benefit actually means, the advantages these plans offer, why multi-benefit protection conversations are on the rise, and what the data from our Profile of an IP Customer report reveals about Multi Benefits.

Understanding Menu/Multi-Benefit Plans

Advantages of Menu Multi Benefit Plans

Why Multi Benefit Protection Conversations Are Growing

Profile of an IP Customer Menu/Multi Benefit Data

Wellness and VAS

When many people think about protection products such as income protection, the focus is often on the financial benefit paid when someone cannot work due to illness or injury. However, many insurers now include value-added services designed to support policyholders’ health and wellbeing throughout the life of the policy. These services aim to help people manage health concerns earlier, access support more quickly, and recover sooner if illness or injury occurs. This guide explores how these services work, why they are becoming an increasingly important part of protection conversations, and how advisers can use them to demonstrate the wider value of protection solutions.

Download the Academy Document

In these short clips, Airi explores the wellness and value added services that often come alongside modern income protection policies and how advisers can use them to bring protection conversations to life.

Beyond the policy: What value-added services actually offer clients

Vocational Rehabilitation

GP 24/7 support

ASU

This month’s Wisdom Wednesday Academy guide explores ASU insurance, covering how it works, who it suits, and how it complements long-term income protection strategies. It brings together key considerations for advisers, from coverage and underwriting to claims processes, helping them integrate ASU into broader client protection conversations.

Download the Academy Document

This month on Wisdom Wednesday, Airi turns the spotlight on ASU, examining where short-term protection fits within the wider IP conversation and why it matters. Not every client will suit traditional long-term cover, and across the series Airi unpacks how ASU can offer a more accessible route for those facing barriers around cost, underwriting or personal circumstances. The final video of the month brings it all together with practical guidance for advisers on structuring ASU policies and identifying when a shorter-term solution may be the right starting point for a client’s financial resilience.

What is ASU?

When traditional IP isn't the right fit

Practical tips for advisers

Adviser Support

April’s Wisdom Wednesday Academy focuses on Adviser Support. At the IPTF, we believe that empowering advisers with accessible, high-quality educational tools creates better conversations, stronger client relationships, and improved financial resilience across the UK. This guide explores the range of IPTF insurer member resources designed to help advisers deepen their understanding of underwriting, clarify complex concepts, and deliver more holistic protection recommendations.

Download the Academy Document

Check out the Adviser Tools

Airi introduces four of the IPTF’s practical adviser tools. Delving into each tool in short 1-minute clips, Airi helps advisers explore the tools, understand their purpose, and start using them with confidence.

Underwriting Guides

Glossary of IP terms

Calculators

ASU Matrix

Misrepresentation

This month’s Wisdom Wednesday Academy focuses on Misrepresentation. We explore what misrepresentation means, how it occurs, and the consequences it can have for clients, advisers, and the wider protection industry. This guide draws on insights from IPTF’s 7 Claims Story 3 – Misrepresentation Matters, led by Phil Deacon, and uses real case studies to illustrate the three main types of misrepresentation, innocent, careless, and deliberate, and the lessons that can be learned from each.

Download the Academy Document

Airi looks at the full spectrum of misrepresentation, from innocent and careless through to deliberate, highlighting how each is defined and treated in practice. Using a real example from our 7 Claims Stories series, we see how fair, thorough assessment makes all the difference, and why context, intent and process matter so much in claims decisions. Understanding these nuances helps advisers have clearer disclosure conversations and ultimately support better client outcomes.

Innocent Misrepresentation

Careless Misrepresentation

Deliberate Misrepresentation

Digital and AI

This month’s Wisdom Wednesday Academy focuses on Digital and AI. We explore how financial advisers can use social platforms
to build visibility, trust, and credibility without it becoming a full-time job. Used with intention and authenticity, social media strengthens referral networks, supports business growth, and helps create lasting client relationships. These resources help advisers cut through the noise, use digital tools with purpose, and establish a confident, consistent presence online.

Download the Academy Document

As part of our Digital and AI theme, Airi explores how the IPTF is harnessing AI to enhance education, insight and engagement across the protection industry, while also highlighting the growing role of social media in helping advisers build visibility, strengthen client conversations and create meaningful connections.

How the IPTF use AI

The Benefits of Social Media for Advisers

Education

January’s Wisdom Wednesday Academy focuses on Education. We explore how the modern Income Protection (IP) customer is evolving and what this means for advisers. This document delivers context, analysis, and adviser takeaways from the market report – Profile of an IP Customer – providing data-led insights into customer behaviours, preferences, and opportunities.

Download the Academy Document

Airi delves into the following topics, bringing the Profile of an Income Protection Customer report to life with clear, bite-sized insights into how these factors shape modern income protection conversations.

BMI

Gender

Occupation

Disclaimer: This material was correct at the time of production and is intended for general informational and training purposes only. The IPTF does not accept any responsibility or liability for actions taken as a result of this content. Advisers and users are strongly advised to check directly with product providers or relevant sources for the most up-to-date information, statistics and figures before making any recommendations or decisions. Some of this content is AI-generated and for general educational and information purposes only. Not professional advice.

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