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You searched for the term affordability Your search returned the following 11 results...
 
  • Affordability calculator - Royal London for advisers

    Affordability calculator Understand your clients' spend and budget. This calculator can help you to understand your clients' regular financial commitments. Property costs Cost per month (£) Mortgage/rent Council tax Home insurance Home maintenance/improvements Gas boiler maintenance Utility bills...

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    Calculators

  • Back to work? - Royal London for advisers

    . Affordability Everyone is different. What we need, what we can afford and what protection plan is right depends on the life we lead. But a little protection is better than nothing and with menu plans now offering enhanced flexibility such as wider deferral period options and limited payment periods, there's...

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    Blog

  • The quiet whisper of change - Royal London for advisers

    .  The bigger change however is that from April 2018, this benefit becomes a loan.  There won’t be a credit check or any affordability testing but claimants will have to apply for the loan and compound interest will be charged.   Some of the questions we had around this loan have now been answered. So to sum...

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    Personal

    Opinion

    Life Cover

    ...

  • Talk about trivial spending habits - better protection conversations - Royal London for advisers

    ...they can’t afford it. Doing this analysis does help remove that potential objection that could lay ahead about affordability.  It’s less likely your clients will tell you they can’t afford it when they’ve just told you they spend £278 per month on coffee and sandwiches. Better protection conversations Part...

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    Personal

    Tools and support

    Tools protection

  • During your client meeting - Royal London for advisers

    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...

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    Tools and support

  • Use our protection tools - Royal London for advisers

    ...with specific medical conditions. 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...

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    Tools and support

  • Is now a good time to be discussing protection? - Royal London for advisers

    ...of tools, from sales aids and approach letters, which are specifically aimed at mortgage clients as well as our of range calculators, including an affordability calculator. This could be the ideal time to revisit certain mortgage clients to discuss their protection needs as they might find things...

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    Blog

  • How family income benefit can provide an affordable protection solution - Royal London for advisers

    How family income benefit can provide an affordable protection solution Ross Jackson 26 June 2017 We’re all familiar with one of the key barriers to people taking out protection – affordability. In our recent State of the Protection Nation research*, this was the top reason given by consumers...

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    Blog

  • Time to look beyond price - Royal London for advisers

    ...driven for years so it’s great news to see this kind of progress. Focusing on client needs Of course affordability will always be important. But shouldn’t the initial focus be on what clients can’t afford to be without when it comes to making a claim, rather than what they can afford now...

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    Blog

  • Ask open questions - better protection conversations - Royal London for advisers

    ...four of our Better Protection Conversations blog series looks at how easy it can be to get clients to open up about their spending habits and how to use this to help overcome the objection of affordability. READ MORE Your client will ‘open up’ and tell you about things which are important to them...

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    Personal

    Tools and support

    Blog

    ...

  • Just the job - Income Protection from Royal London - Royal London for advisers

    Our Income Protection is tuned to your clients’ needs Being off work because of illness or injury is one of the biggest risks your clients face. And it could have a devastating impact on their finances. The benefits included in our Income Protection, as well as the support available through Helping Hand, means your clients get t...

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    Campaign

    Income protection

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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.