Industry news and views from Panacea and our partners.
Protection_
Scottish Provident: Relevant Life Policies Let the taxman help save your clients money
Have you thought about how you can provide your business clients with life cover and save them money by using a relevant life policy? T
Weekly news from Legal & General
We're pleased to announce the launch of our new Gender Response Team in the countdown to the EU Gender Directive deadline.
Bright Grey: If the worst happens, would your clients need to break into their investments?
Most people invest for a reason, for a higher income in retirement perhaps, or to build an inheritance for their children.
LV= Reveals protection gender plans and launches g-day guarantee
Protection specialist LV= will switch its protection business to gender neutral rates on 1 December 2012, and is offering advisers a G Day Guarantee ahead of the gender directive coming into force on 21 December 2012.
Hurry last chance to give your clients 30% extra Life Cover free with PruProtect's Cover Booster
PruProtects Cover Booster special offer ends 30 September 2012.
Could having a Legal & General policy be healthier for you and your clients?
Healthy Living could help you and your clients lead a healthier lifestyle. All our customers can get free access to Healthy Living an online e-tool to assess, monitor and improve their health. It's simple to register as your clients just need to enter their policy number.
Bright Grey: Tap into the protection opportunity
When RDR comes into force, your investment clients will pay you a fee for your advice. Bright Greys Personal Protection Menu works perfectly with your clients' investments, as it offers total flexibility of terms, amounts and cover types. And it can be easily updated as their investments grow and develop.
Bright Grey: "Clients face a double whammy in protection price rises"
From January 2013 the way life insurance companies are taxed will change. The current tax regime, known as I minus E, ends and the new one starts just 10 days after the EU gender directive.
Bright Grey: a new tool to support your recommendation
In a recent survey, a massive 92%1 of advisers said the main objection they get from clients when trying to sell Bright Grey, is that they don't know who we are.
LV= ENHANCES WEBLINE PROPOSITION
Advisers are now able to quote for LV=s budget income protection (IP) product through Capita Financial Softwares Webline portal.
PruProtect: Longevity and its impact on Underwriting
We are constantly being reminded how our population is living longer and how this is likely to impact on future retirement ages and pensions.
Bright Grey: Online or desktop? The choice is yours
Last week we made our relevant life calculator available to download to your desktop. You've told us this is really useful as you can't always access the online version.
PruProtect special edition: Gender neutral campaign update
Gender neutral pricing - seizing the opportunity. With the introduction of gender neutral pricing fast approaching, the price your female clients can expect to pay for Life Cover and Serious Illness Cover is set to increase by as much as 15%.
Bright Grey: It's not just women who will pay the price
The gender directive has been the talk of our industry this year, with a focus on selling protection to women before the prices go up. But it's not just women who will be impacted. Men are set to pay the price too.
Scottish Provident: Nearly half of all marriages in Britain will end in divorce
A startling statistic but perhaps not a huge surprise. The UK has witnessed a rise in single person households.
Weekly news from Legal & General
You know about Gender.... but do your clients? Use our new material to contact your customers and secure the gender specific premiums for them before the window of opportunity closes later this year.
PruProtects online quote tool just got even better!
Since launching our new quote tool in January we've added even more functionality, making it easier for you to create quick and tailored quotes for your clients.
Legal & General: Updated CIC sales tool - everything you need in one click
Our Critical Illness Cover interactive sales aid has been update with our recent CIC product enhancements
One for your critical list - CIC product enhancements
From today our critical illness product now covers 40 conditions and also includes the following new and improved benefits
Roger Edwards wants to hear from you
Roger Edwards is the new managing director for Bright Grey. If you share his passion for new media and the world of digital, watch his short video.
Legal & General: You know about Gender.... but do your clients?
Now is the time to grow your protection business with new sales and also to safeguard your existing client base. Secure the gender specific premiums for them before the window of opportunity closes later this year.
LV= Launches gender and I-E website for advisers
Protection specialist LV= has launched a website for advisers on the forthcoming gender directive and I-E tax changes.
Bright Grey: We asked for your feedback
In our recent survey you told us what you thought of Bright Touch - our iPhone app
PanaceaIFA boosts awareness of protection products with PruProtect linkup, ahead of RDR
PanaceaIFA added PruProtect to its list of strategic partners in order to increase awareness of protection products in the IFA community.
Partnership: Social Care White Paper - July 2012
The Government finally gave an update onthe state of Long Term Care funding and issued its long awaited White Paper on 11 July. Expectations were high following the Dilnot Report so it is probably unsurprising that the lack of specific proposals caused controversy.
Scottish Widows: We know how important excellent service is to you
Weve always focussed on delivering excellent service. So we were delighted to be awarded a 5-star service award last year at the Financial Adviser Service Awards. Now we want to build on this success.
Scottish Provident - Business Protection made simple
How much is a key employee worth to a business? And how would, or could, that business cope without them? Business Protection helps a business recover should an owner or key employee suffer a critical illness or die.
Aviva: Our best ever critical illness cover for your clients
At Aviva, we believe in putting your clients first. Were proud of our track record of only making changes to our critical illness cover that are in your clients best interests.
Legal & General: NEW underwriting pages designed to make your life easier.
We have launched new underwriting pages so it's now easier to find what you're looking for, from literature, contact numbers to support and webcasts to improve your knowledge.
Bright Grey: £95,000 of life cover could be worth less than £36,000 in 20 years' time.*
If your clients want to increase the value of their protection plans when they're older, they'll pay more than they would now. And they'd need to be re-underwritten for this extra cover. Indexation of clients plans could help protect against this.
Weekly news from Legal & General
We've produced a series of business protection webcasts, which can help improve your knowledge.
Bright Grey: Increase your commission with indexation
Every time you add indexation to a cover, you earn an extra 15% LAUTRO commission on that cover.
Scottish Provident: The latest unemployment figures a timely reminder to talk to your clients about unemployment benefit?
Figures indicate that there is still a very real need for people to protect themselves against the financial impact of becoming unemployed. Scottish Provident has produced a pack containing everything you need to know about unemployment benefit.
Partnership: Preparing for the Eurovision
The changes being implemented by the EU Gender Directive are about to transform the way annuities are priced...
Bright Grey: Celebrities influence more than the front cover of magazines
At Bright Grey we know from our claims experience that multiple sclerosis (MS) can unfortunately strike younger people, and Jack Osbournes recent diagnosis confirms this.
Legal & General: PRICE BEATER
At Legal & General we're committed to offering value to you and your clients. Thats why with our Price Beater proposition we guarantee to beat the standard premium offered by a competitor on high sum assured Term and Critical Illness quotes
L&G: Around 2.8 million people in the UK have diabetes.
We've produced a handy guide to help explain what effects the condition has on our underwriting decisions so you and your clients know the potential outcome of an application before you begin the application process.
Bright Grey: What impact will the gender directive have on me?
As an industry we've been talking about the gender directive and the opportunity this gives you to speak to your female clients
LV= sponsored FREE webinar on Protection and the EU Gender Directive, 4 July at 9.30am
Free places for the sponsored live webinar on Protection and the Gender Directive are going fast.