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IP too expensive?
How to scale down the cost to meet your client's budget

Income Protection

Income Protection support

Being an adviser isn't just about selling products. With this in mind we aim to help you as much as we can. See below for how we can help support your business sales.

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State benefits

What are they and how are state benefits worked out?

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Handling common objectives

How to handle some of the more common client objectives

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Sales techniques

Introduce your client to the importance of protecting their income

Four thumbnails of video stills from videos available in the library

Video library

Watch our customer story videos that show the benefits of financial protection.

Screenshot of the risk reality calculator

Risk Reality Calculator

Online tool to help your clients grasp the importance of financial protection.


Income Shortfall Calculator

Show your client how little they'll have to live on if they were to be unable to work

Example results of the split waiting calculator

Split Waiting Period Calculator

Calculate the maximum LV= Income Protection available, via two separate policies.

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Suitability wording

Our suitability letter builder helps you to generate your own client suitability letters

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Large case team

Some cases require specialised support at every stage of the application process.

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Pre-underwriting helpline

Go straight through to our underwriters who can quickly answer questions about exclusions, loading etc.

Call: 0800 678 1893
8:30am to 6:30pm Monday to Friday
TextDirect: first dial 18001

0800 678 1890

TextDirect: first dial 18001

8.30am - 6.30pm Monday - Friday

We may record and/or monitor calls for training and audit purposes.

Watch our Income Protection video

Income Protection enhancements video thumbnail

Watch our short video that summarises the exciting changes we've made to our Income Protection product.



Flexible Protection Plan

Why not add Life cover or Critical Illness to your client's plan for a wider protection portfolio?

More about Flexible Protection Plan

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Tools and Calculators

Everything you need to support your Income Protection recommendations.

Income Protection tools and support

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Personal Sick Pay

Income protection for clients in riskier jobs who can be more expensive to insure.

More on Personal Sick Pay

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Large Case Team

If your client wants cover for more than £5,000 a month, we can offer dedicated support.

More about our Large Case Team

LV=, County Gates, Bournemouth, BH1 2NF, UK