Industry news and views from Panacea and our partners.
Protection_
Guardian: Income protection
With a choice of full-term or 2-year payment period and a wide range of deferred periods, our Income Protection can be tailored to fit any clients situation and budget.
Guardian announces income protection is now live
Guardian has announced that its new Income Protection cover is now live on IRESS, iPipeline and LifeQuote. From today, advisers using these sourcing platforms have access to a full menu of Guardian products including Income Protection, Life Protection, Critical Illness Protection, Combined Life and Critical Illness Protection and Optional Childrens Critical Illness Protection, and can quote and apply on Guardians Protection Builder 2.0 system.
Metlife: The true value of Individual Protection
Read real-life claim stories demonstrating how MetLife has fulfilled their promise to their customers and helped them when they really needed it.
Royal London: Three things you might not know about Royal London protection
With a wide range of protection products that can be tailored around your clients needs and budgets, you can trust us to take care of your clients and their families.
Royal London: The business protection toolkit
Preparing for the unexpected, to protect businesses large and small.
Royal London: Three things you might not know about Royal London protection
With a wide range of protection products that can be tailored around your clients needs and budgets, you can trust us to take care of your clients and their families.
Cura: Practical Protection Podcast - The Value of Trusts
We have Charlotte Rogers joining us in our latest episode to talk about the value of Trusts. Charlotte has an incredibly moving story to share about how her life was turned upside down by a life insurance policy that wasnt written into Trust.
Single or joint life insurance
I am frequently questioned as to why I am a proponent of two single life plans rather than a slightly cheaper joint life critical illness plan.
The merits of Grouping in the Critical Illness market
The recent relaunch by Vitality signals a major change in the critical illness market.
Royal London: Good Parent Portfolio
The Good Parent Portfolio helps you talk to your clients about making a will, putting protection plans in trust, and the importance of thinking about guardianship. Issues that most people don't like to think about.
Royal London: How to place value on protection in tough times
Its inevitable that during the current cost of living crisis, people will be keeping a watchful eye on their budgets - making savings where they can, so they can still afford the things that are important to them.
Cura: Practical Protection Podcast - S7 Ep 4 - Money and Mental Health (25 mins CPD) - 9th March
Hi everyone. We have Conor D-Arcy joining us from the Money and Mental Health Policy Institute, talking about their recent Written off? report.
The Exeter: HealthWise something worth shouting about!
Did you know that our member benefits app, Healthwise, could save your clients up to £1,800 a year? For the past two years, weve launched our annual HealthWise report and its back again!
The Exeter: Understanding vulnerable customers
Jack Southcott, Proposition Manager, and Mandy Tonkin, Compliance Executive, discuss how we can support you and your advice process by considering customers in vulnerable circumstances.
MetLife: The Wellbeing Support Centre
MetLife Individual Protection advisers have free access to the Wellbeing Support Centre. So if something is affecting you and youd like some support, you are able to access our wellbeing services for free.
MetLife: Self-Employed Sales Aid
Making sure your self-eployed clients have financial protection in place to protect both their family and their livelihood should they have an accident can be important to keeping life on track. This sales aid provides your clients with everything they need to know about EverydayProtect.
MetLife: Additional protection for those with active lifestyles
For those clients with more active lifestyles, taking out optional Active Lifestyle cover as part of an EverydayProtect policy can provide the additional protection your clients need for the unexpected.
MetLife: The Tolsons family their story
A real-life case study and video that shows how EverydayProtect can provide financial protection in the most extreme scenarios.
MetLife: EverydayProtect
MetLife's EverydayProtect is designed to meet the needs of a wide range of people, from families to those with more active lifestyles. Find out how EverydayProtect could be the essential addition to many client portfolios.
The cost of dying crisis (45 minutes)
In this webinar, Gregor Sked, Intermediary Development and Technical Manager, considers the implications of not having cover in place and a range of tools and ideas to help clients understand the importance of protecting their home, their family, and their lifestyle.
Royal London: A guide to family protection
What is family protection and how can it be used to provide a safety net should the main breadwinner fall ill or die.
Royal London: Could your clients use a pension to offset ISA losses?
Craig Muir, our Senior Pension Development and Technical Manager, looks at an ISA/pension case study that focuses on offsetting potential losses clients may have suffered.
Royal London: Menu plan
How can dividing an individuals protection cover between different products, using a menu-based format, prove to be advantageous?
Practical Protection Podcast - The Tables Are Turned (65 mins CPD)
Hi everyone. I was joined by Alan Knowles for the last episode of the Practical Protection Podcast, I hope you found it useful?
Practical Protection Podcast - CIC Masterclass (40 mins CPD)
Hi everyone. I hope you had a nice Christmas break? Were now back with the last episode of season 6 of the Practical Protection Podcast.
Royal London: Theres life cover, but not as we know it
I dont suppose many advisers with clients in the Public Sector have lost much sleep over the recent news that theres no regulatory requirement to provide a life cover option under the Local Government Pension Scheme (LGPS) AVC. So, administering authorities should henceforth find it easier to review and switch AVC providers.
Royal London: The impact of career changes on income protection
A job is rarely for life these days. On average, around 9% of people changed jobs each year between 2000 and 2018, ranging from a low of around 5.7% in 2010 to a high of around 10.9% in both 2017 and 2018.
Practical Protection Podcast - Not Just the Money (50 mins CPD)
Hi everyone. Previously, I was joined by Martin Stewart from the London Money group to talk about the mortgage world and the need for protection insurance. You can catch up on the Practical Protection Podcast if you missed it.
Royal London: IHT planning using Whole of Life plans
In this webinar, Adrian Bates and David Dawson, Corporate and Estate Planning Specialists, look at ways to strengthen your IHT planning conversations and demonstrate the value of Whole of Life plans.
Royal London: Advising lower risk clients
Ryan Medlock, Senior Investment Development Manager at Royal London, considers how to help lower risk clients navigate volatile markets.
Royal London: Cost of living: a report on how the UK is coping with rising bills
The cost of living crisis is pushing millions of people into taking a second or third job, while others are having to make cutbacks to everyday spending.
Royal London: Autumn Statement 2022
Jeremy Hunt delivered the government's Autumn Statement on 17 November 2022
Practical Protection Podcast - S6 Ep7 - The State of Mortgages (55 mins CPD)
Martin gives an insight into what is going on in the mortgage market recently, and explains how it has changed over the years. He also shares with us his thoughts on the importance of protection insurance, it's positive to hear this coming from a person working within the mortgage space.
Royal London: Unlocking protection opportunities in the UK rental market
In this webinar, Business Development and Technical Managers, Shelley Read and Gregor Sked look at the changing dynamics of the UK housing market and how renting a home is fast becoming the lifestyle choice for many.
IHT planning using Whole of Life plans (30 minutes)
After watching this webinar, youll: Be able to help your clients understand how they're affected by IHT. Understand how to demonstrate the value of Whole of Life plans compared with saving. Understand how Whole of Life plans can be used in the Equity Release market. Understand how Royal London can help get valuable cover in place quickly.
Cura: Practical Protection Podcast - S6 Ep6 High Net Worth (50 mins)
Hi everyone. The last episode was an inbetweenysode, I was joined by Stacy Penn, to talk all about the AMI Protection Viewpoint. You can catch up on the Practical Protection Podcast if you missed it.
Royal London: Menu plan
How can dividing an individuals protection cover between different products, using a menu-based format, prove to be advantageous?
Royal London: Theres life cover, but not as we know it
I dont suppose many advisers with clients in the Public Sector have lost much sleep over the recent news that theres no regulatory requirement to provide a life cover option under the Local Government Pension Scheme (LGPS) AVC. So, administering authorities should henceforth find it easier to review and switch AVC providers.
Overcoming protection objections (20 minutes)
We asked 2,000 employed and 2,000 self employed adults about their current health and financial concerns.
The Exeter: How to overcome income protection objections in 45 minutes
Join Jamie Page, Head of Protection Distribution at The Exeter, on Thursday 24th November at 10am where hell be discussing the most common protection objections from consumers.