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General articles and tools

ABI - Percy the protection calculator

This quick calculator from the ABI can highlight the kind of payments an individual may be entitled to in the worst-case scenario.

Beneficiary nomination or trust? A practical guide for advisers

Discover the pros and cons of beneficiary nominations and trusts for life cover. This guide helps advisers make informed recommendations for faster payouts and tax efficiency.

Consumer duty support hub

We’re here to help you meet your Consumer Duty requirements now and in the future. Our helpful guidance, tools and resources can support your every step.

Continuing professional development

CPD | Better off dead? The need for critical illness cover

In light of this startling webinar title, we look at the real need to consider critical illness (CI) cover and examine how to start this conversation with clients.

CPD | Hot topics - what issues are your clients facing today?

In this webinar we explore key pension and protection issues, including frozen tax bands, using pensions to mitigate tax and future Inheritance Tax (IHT) changes. We’ll also cover FCA market insights, the impact of IHT on protection advice, and how Rysaffe planning can reduce trust charges.

CPD | Identifying and supporting vulnerable customers

In this session, Shelley and Fiona will unpack the FCA’s definition of a vulnerable customer and show you how to spot and support them. They’ll explore this through both a protection and pensions lens and tackle the critical issue of economic abuse. Plus, what actions to take if you suspect a customer is affected.

CPD | It’s all about income protection

In this session we cover income protection and the important role it plays in helping clients maintain their lifestyle if they’re unable to work due to illness or injury.

CPD | Navigating the numbers: Budget update and tax year end planning

Join Fiona Hanrahan and Craig Muir as they outline the key November 2025 Budget changes and their impact on tax year end. They cover upcoming alterations to salary sacrifice, state pension rules, and how pension contributions using carry forward can help with childcare costs and avoiding tax traps, as well as new inheritance tax payment options for beneficiaries from April 2027. The session also highlights proposed updates to the taxation of dividends, savings and rental income.

CPD | Planning for later life

From a protection advice perspective, this session will explore how to position and demonstrate value with whole of life policies, the important role of trusts, wills and LPAs as well as a look at the main ways clients can unlock equity from their properties.

From a pension perspective we consider ways to bolster retirement income, legislative changes that could impact this and how pension death benefits operate. We also explore the benefits of moving ISA money into pensions.

CPD | Putting protection on the wealth agenda

In this webinar we discuss the importance of protection in holistic financial planning. It outlines the main protection risks faced by customers and explains how protection solutions can support clients in safeguarding their financial resilience.

CPD | Understanding the 2025 Autumn Budget: the economic, market and policy implications

Our experts from Royal London and Royal London Asset Management explore the economic outlook amid a £20 billion fiscal gap, covering market reaction, economic impact, inflation and interest rates, key policy changes, and what it all means for advisers and clients.

Inheritance tax business relief changes

One of the changes announced in the Autumn Budget 2024 was to the inheritance tax business relief. This article looks at our understanding of the change and the impact on business owners.

Protection Plans and means tested benefits

Protection plans give peace of mind to individuals when that unforeseen event happens, helping them continue to pay their bills and maintain their lifestyle. One question we get asked is does the capital or income received from a protection plan affect an individual’s means tested benefits.

Protection plans and HMRC’s Trust Registration Service

From 6 October 2020, The Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 introduced a new requirement for certain express trusts to be registered on HMRC’s Trust Registration Service even where the trust does not have a current tax liability. Any trust that has a current tax liability already needs to be registered.

Powers of attorney

Powers of attorney are a valuable tool that helps vulnerable people have their affairs managed before or when they have lost mental capacity.

The following guides help people who work in regulated markets learn about:

  • Lasting powers of attorney (LPAs)
  • Enduring powers of attorney (EPAs)
  • Deputy court orders

There are different laws and processes in England and Wales, Scotland and Northern Ireland.

England and Wales

The following guide only covers powers of attorney registered in England and Wales and court orders issued in England and Wales.

Scotland

For information about powers of attorney in Scotland

Northern Ireland

For information about powers of attorney in Northern Ireland.

Taxation of a discretionary trust, created by joint settlors

Discover how discretionary trusts created by joint plan owners are taxed under UK inheritance tax rules. Learn about nil rate bands, periodic charges, and trustee responsibilities, with practical examples illustrating key scenarios for whole of life plans.

Three common income protection myths and how to navigate them

Income protection is arguably the most needed long-term protection product. After all, what do most of us rely on to maintain our lifestyle? A regular income. So, the sudden loss of that regular income is surely one of the biggest risks a client faces.

Tools and support

A range of tools to help you with protection, including more detailed information on business protection, what is the right trust to use in certain situations and a range of support for parents setting up family protection to ensure their children are cared for, should something unfortunate happen.

Understanding the rules of intestacy in the UK

Use our easy-to-follow flowcharts and article to help you explain to clients what would happen if they died without a will.

Unmarried co-habiting couples and their rights

In the UK, more and more couples are choosing cohabitation instead of marriage. In 2023 cohabiting couples accounted for 18% of families, meaning that approximately 7.2 million adults were living as part of a cohabiting couple1.

Understanding the issues that can impact cohabiting couples will ensure that, as an adviser, you can offer your clients that best outcomes.

Unmarried co-habiting couples and their rights

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