FOR ADVISERS ONLY

Tools for protection

Our marketing tools can help you build stronger relationships with your clients.

Featured tools

Guaranteed Whole of Life value calculator
Easily demonstrate the financial benefits of choosing a Whole of Life plan.
Value of menu tool
Tailor a menu plan to your clients' needs and budget.
Find the right trust
Identify the right trust structure for your client.
Pre-sale underwriting tool
Indicative underwriting decisions for a range of cover types.

Approaching clients

To help you explain the reasons for recommending a Royal London plan we've produced various paragraphs that describe our company and the features and benefits of our products.

Approach letters

We've got a range of approach letters for each type of protection for you to add to your own letterhead.

Marketing studio

Design your own objection handling sales aids with our unique and simple-to-use e-business tool.

Business protection planner

Whether you’re familiar with business protection or just getting started, you'll find tools and tips to make the most of your opportunities.

We've created a toolkit that gives you easy access to all the tools you need to help support your inheritance tax conversations.

Before your client meeting

Good parent portfolio

We can help you give your clients advice on the things that can go with the protection sale – trusts, wills and guardianship.

Find the right trust

Use this tool to help you identify the correct trust structure and form for your client.

Pre-sale underwriting tool

Use this tool to check things like BMI, family history, occupation, hazardous pursuits and a range of medical conditions. You'll get an accurate indicative decision for each cover type you choose.

Business protection decision tree

This tool will give you possible business protection solutions based on a client's business structure and the purpose of the cover.

Medical underwriting limits

We'll ask your client to take certain medical tests depending on the amount of cover they want.

Financial underwriting limits

Use this simple tool to reveal what evidence we need to see depending on the amount of cover asked for.

Medical conditions

This tool provides an overview of the most common medical conditions. You'll see the main signs and symptoms of each condition, and get an indication of what to include on a client's application form.

During your meeting

Guaranteed Whole of Life value calculator

Easily demonstrate the value of taking out a guaranteed Whole of Life plan versus saving into a traditional bank account.

Affordability calculator

Use this calculator to assess your client's monthly outgoings and recommend how much cover they should be getting.

Business protection calculator

This calculator is a checklist of the financial sums you need to know to work out the sums assured.

Collection date calculator

Check when your clients can expect the first three premiums to be collected for their plan.

Definitions search tool

Use this tool to search our current definitions as well as past versions to check what we cover and to see how the definition wording has changed over time.

Equalisation calculator

Use this calculator to work out and demonstrate a fair distribution of costs between shareholding directors or partners in relation to the overall cost of your business protection solution.

Income shortfall calculator

Use this calculator to show your clients how Income Protection could help them avoid a shortfall in their monthly income if they’re too ill to work.

Inheritance tax calculator

Calculates any potential IHT liability based on your client's assets and liabilities.

Lifestyle calculator

Use this calculator to demonstrate to your client that by cutting back on a few of life's little luxuries they can easily find the money for protection.

Maximum income calculator

Work out the maximum income your client can apply for under Income Protection.

National Insurance calculator

Work out how much less NI self-employed clients pay compared to employed clients - money they could use towards their protection needs.

Relevant life calculator

Use this calculator to work out the tax savings of a relevant life policy compared with an ordinary policy.

We've got a range of tools that will help you promote the financial benefits of trusts as well as support in finding the right trust for your clients.

Value of menu tool

Use our menu tool to show clients how a menu plan can be tailored to their needs and budget, as well as offering more opportunities to claim.