General and tools

What is IR35?

From 6 April 2021, all public authorities and medium and large sized businesses in the private sector will be responsible for deciding the employment status of workers rather than the worker having that responsibility.  This article explains the changes and the opportunities for advisers.

Insurance Distribution Directive

The Insurance Distribution Directive (IDD) came into force in October 2018 and introduced a number of new obligations that firms involved in the designing and selling of insurance products need to meet.

CPD | Unlocking protection opportunities in the UK rental market - In this webinar we look at the changing dynamics of the UK housing market and how renting a home is fast becoming the lifestyle choice of many. We explore the reason tenants can be more financially vulnerable than homeowners and why protection is equally important for tenants.    

Power 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.

Office of the Public Guardian (OPG18)


For information about powers of attorney in Scotland

Public Guardian - Scotland

Northern Ireland

For information about powers of attorney in Northern Ireland.


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.

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.

Percy the protection calculator

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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.