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  • 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...

    tags: 

    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...

    tags: 

    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

  • Protection tools and calculators - 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 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 – 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

  • 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...

    tags: 

    Personal

    Business

    Life Cover

    ...

  • 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...

    tags: 

    Business

    Key Person Cover

    Loan protection

  • 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...

    tags: 

    Personal

    Income protection

    Personal protection

  • 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

  • Approaching income protection - Royal London for advisers

    Approaching income protection Watch our adviser films and find out how they approach the income protection conversation. Target audience Objection handling Helping Hand Claims experience Income Protection related articles Helping the under-protected back-up their income The UK has certainly been...

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    Tools

    Income protection

  • 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

  • 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

  • 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

  • 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...

    tags: 

    Business

    Key Person Cover

    Loan protection

  • 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...

    tags: 

    Business

    Key Person Cover

    Loan 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

  • Business protection opportunities - Royal London for advisers

    . And with easy access to a dedicated team of corporate protection specialists, Royal London helps me to grow my business, by making it easier for me to protect hers.” “At Royal London, we make introducing the benefits of business protection to your clients simple. Our toolkit includes online...

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    Business

  • 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

  • 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

  • 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

  • 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

  • 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...

    tags: 

    Personal

    Campaign

    Life Cover

    ...

  • 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

  • Protection conversations for existing customers - Royal London for advisers

    ...paragraphs that you can copy and edit - making it quicker and easier to start the protection conversation. Lifestyle calculator Review your clients daily costs to demonstrate how they could instead help protect their future. Calculate Why income protection? Show your clients our income protection sales aid...

  • 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...

    tags: 

    Business

    Key Person Cover

    Loan protection

  • Business Opportunity Knocks? - Royal London for advisers

    ...to protect them financially following illness or death so the family lose their mortgage and not their home. So, with a tried and tested business model in the personal market, how much of a stretch would it be for the adviser to extend his reach into the business loan protection market?  For me...

    tags: 

    Business

    Shareholder partnership protection

    Business covers

    ...

  • Good parent portfolio - Royal London for advisers

    Good parent portfolio Helping you to develop a holistic approach to good advice Selling your clients life cover helps to make sure they’re financially protected, but does it go far enough? Using a more holistic approach to their protection needs means that you’re not only giving them complete cover...

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    Good parent portfolio

  • 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...

    tags: 

    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...

    tags: 

    Business

    Key Person Cover

    Loan protection

  • 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...

    tags: 

    Business

    Key Person Cover

    Loan protection

  • The protection budget - better protection conversations - Royal London for advisers

    The protection budget - better protection conversations 11 February 2019 Part five of our 'Five top tips for better protection conversations' series - agreeing the protection budget. I’ve already talked about a typical mortgage client in terms of their enthusiasm level when you first meet them...

    tags: 

    Personal

    Tools and support

    Tools protection

  • Personal protection - Royal London for advisers

    Tailor your clients' protection cover with our Personal Menu Plan With our Personal Menu Plan you can mix and match a range of covers and benefits with different sums assured and plan terms to tailor the cover that suits your clients' needs and budgets. The cover available from our Personal Menu...

    tags: 

    Personal

  • 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...

    tags: 

    Tools and support

  • Protection product information - Royal London for advisers

    Protection from Royal London Our products and services Personal Menu Plan Cover you can mix and match to meet your clients’ needs, and change over time. Business Menu Plan Flexible solutions to protect your clients’ businesses. Relevant Life Plan A tax-efficient way to protect your clients...

  • A quick checklist for reviewing income protection - Royal London for advisers

    A quick checklist for reviewing income protection Jennifer Gilchrist 20 November 2019 At Royal London, we believe that income protection is essential for all working age adults unless they have alternative financial support or lots of savings they can call on if they can’t work due to illness...

    tags: 

    Personal

    Income protection

    Blog

  • Key Person Income Protection - Royal London for advisers

    Key Person Income Protection No one wants to worry about what might happen to their business if a skilled employee can't work because of an injury or illness. Our Key Person Income Protection, through our Business Menu Plan, pays out a monthly income at the end of the chosen deferred period...

    tags: 

    Business

    Income protection

    Key Person Cover

    ...

  • Guide to business protection - Royal London for advisers

    A guide to business protection What is business protection and how can it be used to protect a business from the effects of a key person being diagnosed with a critical illness or dying. Key facts Business protection is an insurance contract that helps protect a business from the financial effects...

    tags: 

    Business

  • 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...

    tags: 

    Business

    Business protection

    CPD

    ...

  • A personal and supportive claims experience - Royal London for advisers

    ' and their immediate family, regardless of claim. Through pandemics and daily life, you can rely on us to be by your side, and to make sure all claims are handled with care. The numbers made clear Source: Royal London protection business claims paid (1 January to 31 December 2020). 2020 adviser claims...

    tags: 

    Life Cover

    Critical Illness Cover

    Income protection

    ...

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.