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Protection tools

Our calculators, tools and guides can help you demonstrate the value of protection to clients, and help you have better conversations with them.

Protection tools

Our tools can help you quickly generate materials to help engage potential clients, find the right trusts and more.

Definitions tool

Find our current and previous definitions to check what we cover.

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Finding the right trust

Our interactive trust picker will help you choose the correct trust structure and form for an individual client.

Use the trust picker  

Pre-sale underwriting tool

Get accurate indicative underwriting decisions at the touch of a button.

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Our 'Reasons Why' tool

This tool takes the legwork out of creating communications to support your recommendations. 

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Value of menu tool

Use our menu tool to show the difference between a traditional protection approach and the value of a flexible menu solution.

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Medical conditions tool

This tool gives an overview of medical conditions, symptoms and helpful tips for the information to include when applying.

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Marketing Studio

Our Marketing Studio is filled with brandable sales aids, posters and other materials to help you make the case for protection.

Visit the Marketing Studio

Protection calculators

Our range of protection calculators can help save you time by helping you quickly generate reports, work out figures and more.

Business protection calculator

Work out which covers would be most suitable for your client by entering a few key numbers about their business - such as salaries, loans and net profit.

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Collection date calculator

Clients might need to plan for an increase in their monthly outgoings after their plans start. Check when the first three premiums will be due.

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Equalisation calculator

Work out a fair distribution of costs for business protection. It shows how much each shareholding director and partner should be contributing in proportion to the potential benefit each will receive.

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Inheritance Tax calculator

What's your client's Inheritance Tax (IHT) liability? We can calculate this based on their assets and liabilities, allowing for trusts and any tax relief they're entitled to.

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Lifestyle calculator

Get a picture of a client’s spending and budget so you can better understand their financial situation.

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Maximum income calculator

Income protection can be tricky, especially when clients have a tiered sick pay arrangement. Our calculator allows you to work out how much cover your clients can apply for with us.

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National Insurance calculator

Self-employed clients generally pay less National Insurance than someone who's employed. Work out the difference between the two - to help you make the case for protection.

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Relevant life calculator

Show your clients the difference in the gross cost of a relevant life policy taken out by their employer when compared to a policy they would take out themselves.

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Whole of life value calculator

By entering some basic information, you can quickly show your clients the value of taking out a Whole of Life policy over saving into a bank account.

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