FOR ADVISERS ONLY

Protection blog

The protection budget - better protection conversations

The difficulty sometimes for mortgage and protection advisers is that what you want to try and avoid is another payment shock in a few weeks’ time, which will come when you start talking about the cost of protection on top of the mortgage.

During your client meeting

Calculators you can use with your clients.

During your meeting

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.

Inheritance tax calculator

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

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.

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.

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.

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.

Last updated: 10 Sep 2018