Shaping up for the New Year

Prioritising protection to strengthen your business

In challenging conditions, how will you generate new client opportunities?

As highlighted in our Brexit Barometer, when the future is unclear people behave differently. For the property market, this means would-be sellers are sitting tight.1 Shifting their attention from moving home to financial housekeeping as they seek consistency and stability.

With a focus on reducing risk, now could be a good time to revisit the protection conversation.

Use our protection conversations tools and materials to get a head start in the New Year.

1 Rightmove House Price Index,, November 2019

Why protection?

Prioritising the protection conversation

Article on why, how and when to have the protection conversation.

Why mortgage clients need income protection

A webinar on our CPD hub that helps you talk to your clients about why they need to protect their income.

Overcoming protection hurdles

Tools, tips and ideas to help you have better protection conversations and overcome objections.

Generating client interest

Branded marketing materials

Personalised risk reports and sales aids to catch your clients' attention - use them face-to-face, on email or social media.


Approach wording

Ready-made messages to contact your clients and generate opportunities.

Menu for your mortgage clients

Here are some features on our Menu Plan we think your mortgage clients might like:

Free Cover

Waiting on a mortgage completing can sometimes take time. That’s why when your clients apply for a Menu Plan with us, we protect them before their plan even starts.

Family income benefit

Your clients can choose to receive any potential claim as an income rather than a lump sum which could mean they pay less for their cover.

Mortgage Repayment Guarantee

Unlike most providers, we offer an unlimited Mortgage Repayment Guarantee on our mortgage term. This protects your clients against increases in interest rates, however big.

Learn all about our our flexible Menu Plan.

It’s an exciting time buying a new house. It’s the start of a new chapter in your client’s life. Just getting on the property ladder these days is rewarding. Your clients will have saved hard for a deposit and probably stretched themselves to achieve the maximum mortgage.

Being on a budget they might not think that they can afford insurance. But it’s important to discuss some protection just in case one of them is unable to work, falls seriously ill or dies. With a Menu Plan you can mix and match a range of covers and benefits to suit any budget to help protect the mortgage as well as other monthly bills.

A Menu Plan is also flexible enough to adapt with your clients as their needs change. They can add or change covers in the future providing them with some peace of mind, so they can concentrate on all the important decisions of a new home - like what colour sofa to choose.

Royal London - we’ve got it covered.

Find out more

To find out more about how we can support your business, speak to your usual Royal London contact or call 0345 300 0005.

This website is intended for financial advisers only and shouldn't be relied upon by any other person. If you are not an adviser please visit

The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The firm is on the Financial Services Register, registration number 117672. It provides life assurance and pensions. Registered in England and Wales number 99064. Registered office: 55 Gracechurch Street, London, EC3V 0RL.