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Protection tools to help you add value, make recommendations and save you time before applications.
Help highlight how a business owner can save money by taking out a relevant life policy through their business, rather than an individual policy for themselves.
Assess the value of a client's business to make a recommendation for the protection they need. You'll need to work with the accountant to verify net profit and net asset figures.
See the level of cover to recommend for a key person in a business. First, you need to know what percentage of the business belongs to the key person and what percentage of profits are directly attributed to them.
Calculate the difference in protection premiums for shareholding business partners. Any difference may be subject to an IHT charge, so you might want to recommend ‘premium equalisation’.
This tool lets you input some basic client information and obtain an indicative underwriting decision for some of the commonly disclosed illnesses and conditions.
See how your client's occupation can decide the definition of disability which applies to Total Permanent Disability (TPD) or Premium Protection (PP), prior to any medical underwriting.
This tool can help you explain to your client why you’re recommending Scottish Widows Protect and you can use it to produce a client suitability letter.
We hope you make the most of our time saving, client educating protection tools. See how they deliver actual results with our suite of flexible and client focussed protection options.
See our protection options