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You searched for the term protection Your search returned the following 40 results...
 
  • Business protection calculator - Royal London for advisers

    Business protection calculator This calculator will help you to decide on an appropriate amount of cover for a key person. There are many ways of arriving at the value of a key person, and each situation has to be viewed individually. You should consider the effect of the loss of the key person...

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    Calculators

  • Consumer attitudes to protection - Royal London for advisers

    Consumer attitudes to protection Ross Jackson 16 August 2017 Share Share Royal London commissioned Opinium to run our State of the Protection Nation research to find out how people felt about their own protection needs and the industry as a whole. We surveyed people who had already taken out some...

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    Personal protection

  • Prioritising the protection conversation - Royal London for advisers

    Prioritising the protection conversation Jennifer Gilchrist 19 November 2019 Alarmingly, most people continue to run the risk of life shocks without having an appropriate back up plan to help them cope financially, practically or emotionally. In Royal London’s State of the Protection Nation...

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    Personal

    Opinion

    Opportunity

    ...

  • Business protection - Key person protection for Partnership, LLPs and Sole traders - Tax implications - Royal London for advisers

    ...to be insured? 1. The sole trader The sole trader is the business, so they need to protect the profits in the event of their death, critical illness or sickness. Given there’s no distinction between them and their business, cover for this purpose will be written as personal protection. If the cover...

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    Business

    Key Person Cover

    Loan protection

  • Use our protection tools - Royal London for advisers

    Tools for protection Our marketing tools can help you build stronger relationships with your clients Approaching clients Reasons why 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...

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    Tools and support

  • How trends in healthcare will start a protection revolution - Royal London for advisers

    How trends in healthcare will start a protection revolution Gwilym Morrison 12 April 2016 At the Centre for Biomedical Informatics in an affluent suburb of the San Francisco Bay Area city of Palo Alto, a revolution in healthcare is being fashioned. Within these walls, researchers are detecting...

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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 20 January 2020 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

  • Business protection - Partnerships, LLPs and sole traders - Key person protection - Royal London for advisers

    Business protection - Partnerships, LLPs and sole traders - Key person protection Is there a need for key person protection? And more importantly how do make your clients aware how important it is for their business. Key facts Business protection is an insurance contract that helps protect...

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    Business

    Key Person Cover

    Loan protection

  • Business protection – Companies – Tax implications - Royal London for advisers

    Business protection – Companies – Tax implications There’s no specific provision in the tax legislation that guarantees corporation tax relief for the company. Instead, principles for the tax treatment were set out back in 1944 by the then Chancellor of the Exchequer, Sir John Anderson. Key facts...

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    Business

    Key Person Cover

    Loan protection

  • Business protection decision tree - Royal London for advisers

    Partnership & shareholder protection Partnership – Partnership & shareholder protection An own-life plan can help protect the family of a sole trader who dies or gets a critical illness. The plan can be written under a split trust to avoid probate delay and make sure any claim is paid out...

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    Calculators

  • Our recent changes could help make the income protection sale easier - Royal London for advisers

    Our recent changes could help make the income protection sale easier Sarah Scott 29 April 2019 In 2018, our research found that almost four times more people owned life cover than an income protection product*. And with 25% saying they felt that income protection was too expensive1, it was clear...

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    Personal

    Income protection

    Personal protection

  • Target Market Statements - Protection products - Royal London for advisers

    Target Market Statements – Protection As part of the Insurance Distribution Directive (IDD) we've developed Target Market Statements for all of our Protection products. They'll help you to assess who our products are or aren’t suitable for. You can view and download these in the list below...

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    Personal

    Business

    Life Cover

    ...

  • Why it’s vital to provide holistic protection advice - Royal London for advisers

    Why it’s vital to provide holistic protection advice Robert Harvey 17 December 2019 Share Share Guest blogger, Robert Harvey, Head of Protection Advice at Drewberry, talks through a client example. I was struck by a recent keynote address at the Cover Protection & Health Summit by broadcaster Simon...

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    Life Cover

  • Business protection – Companies - Key person protection - Royal London for advisers

    ...they want to sell to a third party? What would the remaining shareholders want? Having adequate business protection in place could help resolve these issues. The payout from a business protection plan could enable the company to continue trading, replace key people or protect corporate debt. Alternatively...

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    Business

    Key Person Cover

    Loan protection

  • Financial underwriting limits - Royal London for advisers

    ...insurers. Select product type Personal Menu Plan Business Menu Plan Relevant Life Plan Select cover type Life Cover Critical Illness Cover Life or Critical Illness Cover Income Protection IHT Mitigation Life Cover Critical Illness Cover Life or Critical Illness Cover Income Protection Key Person Income...

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    Underwriting

  • Business protection – Loan protection - Royal London for advisers

    Business protection – Loan protection If you’re advising corporate clients on business protection, you’ll find this article particularly helpful. We look at the technical aspects of loan protection. Key facts Will not meet the 'wholly and exclusively' test No tax relief on premiums The plan...

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    Business

    Key Person Cover

    Loan protection

  • Keeping on top of state benefit changes - Royal London for advisers

    ...is they now need to pay this money back with interest, charged currently at 1.7% per annum. It should therefore only be treated as a last resort, making it more important than ever that your clients protect their income to avoid getting into debt or losing equity in their homes. How the government...

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    Income protection

    Blog

  • Service and support - frequently asked questions - Royal London for advisers

    Service and support - frequently asked questions Your questions answered 1. How do I submit business protection applications? You can quote and apply for our Business Menu Plan online 24 hours a day, 7 days a week. Paper applications can be sent to: Royal London, St. Andrew House, 1 Thistle Street...

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    Frequently asked questions

  • Approach letters (personal) - Royal London for advisers

    ...because of illness or injury? Is now the right time for protection insurance? Is your current protection insurance plan still giving you value for money? Making your protection plan even better Paying off debt? So not thinking about life insurance just yet? Protect the dream you've worked hard to build Please make sure that your compliance department approves the versions you're using.

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    Approach letters

  • Business protection - Shareholder protection – Wills - Royal London for advisers

    Business protection - Shareholder protection – Wills All shareholders involved in shareholder protection arrangements should write wills to make sure their intended beneficiaries get the proceeds without any intestacy delays. Key facts All shareholders involved in shareholder protection arrangement...

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    Business

    Key Person Cover

    Loan protection

  • Business protection - Shareholder protection - Royal London for advisers

    Business protection - Shareholder protection The sudden loss of a key shareholder can disrupt a company, but shareholder protection will minimise this interruption to the business. Key facts If shareholders are in any doubt, a review of the company’s articles of association will highlight the need...

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    Business

    Key Person Cover

    Loan protection

  • Business protection - Partnership and membership protection - Royal London for advisers

    Business protection - Partnership and membership protection What is the best way to set up partnership and membership protection? In this article we look at the pros and cons to each of the options. Key facts To be effective, a partnership or membership protection arrangement should consist...

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    Business

    Key Person Cover

    Loan protection

  • How protection can save Christmas - Royal London for advisers

    ...business protection research shows that over half of all British SMEs don’t protect their businesses against the loss of a key employee - mainly through lack of awareness4. Key Person Income Protection covers this situation by providing a monthly income while the key employee is unavailable to work...

  • Diabetes Life Cover - Royal London for advisers

    Accessible - this type of cover is available to your clients with type 1 or type 2 diabetes. Straightforward  - a quick and easy application process tailored specifically for people with diabetes, with less questions and significantly less medical evidence required compared to standard protection plans...

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    Diabetes life cover

  • The risks your clients face without income protection - Royal London for advisers

    The risk your clients face without income protection Tracey Miller 19 February 2019 Perhaps income protection and critical illness cover could be even more important than life insurance for your clients. Christmas might seem like a distant memory now. The ceremonious switching on of lights...

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    Personal

    Critical Illness Cover

    Income 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

  • An audience with Royal London’s Debbie Kennedy – Cover magazine - Royal London for advisers

    An audience with Royal London’s Debbie Kennedy - Cover magazine 11 April 2016 Debbie Kennedy, Head of Protection Proposition Design at Royal London, recently spoke to Fiona Murphy, Editor at Cover Magazine. She discussed a range of topics from the importance of making protection understandable...

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    Blog

  • Key person protection – Shareholder protection - Tax implications - Royal London for advisers

    Business protection - Shareholder protection - Tax implications How can a business trust be used to help with tax planning? In this article we discuss the advantages in using a trust and how shareholder premiums can be equalised. Key facts A business trust is discretionary. The beneficiaries...

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    Business

    Key Person Cover

    Loan protection

  • Business protection - Partnership and membership protection – tax implications - Royal London for advisers

    Business protection - Partnership and membership protection – tax implications Do you know what the tax implications are for partnership and membership protection? In this article we discuss the tax relief, tax liability and the uses of a discretionary trust. Key facts Premiums will be paid...

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    Business

    Key Person Cover

    Loan protection

  • Opportunities - Royal London for advisers

    Opportunities Most companies have a business continuity plan and take out insurance to help protect their assets from fire, theft and so on. However, they can often overlook the need to protect their most valuable assets – their people. Business protection can help to protect your client’s business...

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    Business

  • Don’t put off to tomorrow what you can do today - Royal London for advisers

    ...don’t have life insurance in place to cover their mortgage should the worst happen? * Have you ever found yourself thinking ‘I’m too busy on the mortgage side at the moment’ or ‘I’ll go back to that later’ only for ‘later’ never to happen? By not putting the proper protection in place for your clients...

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    Blog

  • What is IR35? - Royal London for advisers

    . This will initially be about their tax position but it also creates an opportunity to talk to clients about their situation from a protection and long term savings perspective. From a protection point of view it’s an opportunity to review existing cover to see whether it’s still appropriate or needs...

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    Business

  • Back to work? - Royal London for advisers

    ...obvious pressure on public finances explaining the shrinking state support as we've seen with the reduction in employment and support allowance (ESA), the move to Universal Credit and changes to support with mortgage interest. The advice opportunity for income protection is huge. In a 'Which' survey...

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    Blog

  • Business protection - Shareholder protection – Company buyback of own shares - Royal London for advisers

    Business protection - Shareholder protection – Company buyback of own shares A company buyback of shares is a popular route for shareholder exits. What are the legal and tax implications? Key facts Requires company owned plans on the lives of the shareholders.  Premiums should be non-allowable...

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    Business

    Key Person Cover

    Loan protection

  • Preparing for the journey ahead - Royal London for advisers

    .  But worryingly we’re more likely to protect these possessions than think about the need to protect ourselves and our families. So to help raise awareness around the need for personal protection, we’ve developed an online game called Run for Cover. It aims to get people thinking about how they’d react to some...

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    Personal

    Campaign

    Life Cover

    ...

  • It’s in the stars ! - Royal London for advisers

    Protection and Whole of Life Assurance. 5 Star Ratings indicate that the product is one of the highest quality offerings in the market, with a comprehensive range of features and benefits. With the rise of the price comparison site and the resultant fixation on price as a differentiator, particularly...

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    Blog

  • An introduction to business protection CPD - Royal London for advisers

    An introduction to business protection Business protection is often perceived as being complicated, but the basic principles are very similar to personal protection. In this webinar, David Jenkins a dedicated Corporate Protection Specialist will give you an overview to business protection...

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    Business

    Business protection

    CPD

    ...

  • Three new opportunities in the protection market - they're not what you think! - Royal London for advisers

    Three new opportunities in the protection market – they’re not what you think! Amanda Docherty 21 January 2019 What’s the news in protection? On the surface you could be forgiven for thinking there isn’t anything new, that protection is still generally being overlooked and undervalued. Figures from...

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    Personal

    Blog

    Personal protection

  • Quick start guide to the Insurance Distribution Directive (IDD) - Royal London for advisers

    ...is to enhance consumer protection when buying insurance and to support competition between insurance distributors. Key areas covered by the regulation include: Professional, organisational and prudential requirements covering professional indemnity cover, and training and competence Conduct...

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    Blog

  • Shareholder & partnership protection - Royal London for advisers

    Shareholder & partnership protection All the reasons why for shareholder and partnership protection Simply click on a topic from the list below and it will appear in a box at the bottom of the page. You can then highlight any sections you want to use and copy and paste them into your own documents...

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    Tools and support

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 royallondon.com.

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.