Income Protection Awareness week

This webinar focuses on making Income Protection understandable, by ensuring that both you and your clients know what to do if they need to claim, what happens when a claim is paid, and how the product features and benefits can help clients achieve their financial goals.

Learning objectives:

1. Analyse the need for income protection as part of the advice proceed for Mortgage, Family & Wealth creation
2. Demonstrate how to assess a clients' needs and advise appropriate levels of cover based on their remuneration model - comparing the evidence requirements for employed & self-employed clients
3. Understand and explain the claims process and how the features and benefits of a policy can help a client achieve their financial goals
   
   
   
   

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With Consumer Duty now in place, having a clear understanding of the calculations, evidence requirements and processes from initiation to claim could be the first steps towards ensuring your clients receive good value for money. This webinar focuses on how you can use tools and calculators to demonstrate suitable levels of cover to your clients.

Learning objectives:

1. Understand how to guide your client through the process of agreeing suitable levels of cover by using tools and calculators
2. Demonstrate the importance of presenting the truest picture of the client’s life when applying and its impact on acceptance and claims
3. Explain the process of making a claim, the information required, and the considerations made when assessing the impact of the illness, injury, or diagnoses on the client’s ability to carry out their occupation
   
   
   

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Clients may often feel confused, lack understanding, or simply not see the value in what they are being shown. This session looks at simple ways to reframe your income protection conversations, personalise the discussion and remove any objections that could occur throughout the advice process.

Learning objectives:

1. Identify appropriate questions to simply frame the need with your client
2. Understand the benefits of different positioning statements to anchor the client into the conversation
3. Understand the impact you can have beyond the words that you use to achieve better client outcome
   
   
   

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Income Protection for the self-employed, what solution works best? This session highlights the need for self-employed clients to revisit their current sick pay arrangements, and what they’d ideally need to earn if an illness or injury prevented them from working. We’ll also look at the levels of cover available in different products, how to structure solutions, and some of the tax considerations when making a recommendation.

Learning objectives:

1. Understand the Income Protection needs of self-employed and small businesses
2. Identify how your clients can use insurance solutions to plan and protect against unexpected financial difficulties for both the business and the employee
3. Demonstrate the tax treatment of both policy premiums and benefits when claiming
   
   
   
   

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This webinar demonstrates the impact of losing an income within a client’s cash flow model. We’ll look at how different Income Protection features such as Wellbeing services, Income protection cover and Rehabilitation could help clients maintain their lifestyle in the event of a claim instead of losing it.

Learning objectives:

1. Understand how the benefits and features of Income protection policies work together to deliver a positive claim outcome
2. Demonstrate how using a combination of deferred periods, claims benefit terms, increase options, additional benefits, and other protection solutions can build an affordable solution for your client
3. Explain how differently structured policies could address specific needs and improve a client’s financial reliance in a time of need due to illness or injury

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