Legal & General News
04.05.2012
New CIC sales tool. Save your time and effort.
Our Critical Illness Cover range of marketing support is displayed in this new single page, interactive sales aid. In just one click you'll be able to see everything you need to prepare for your client meetings and grow your business. Check it out today and you'll be able to go straight to the section you need e.g.:
- Why choose Legal & General
- Cost or need objections
- Client posters
- Lead generation flyers and letters
- Underwriting support
- Education and sales ideas
27.4.12
100,000 PEOPLE AFFECTED BY MULTIPLE SCLEROSIS
It’s the most common neurological condition in young adults in the UK, affecting around 100,000 people. How many are your clients? Learn what effect this condition has on our underwriting decisions so that you and your clients know the potential outcome of an application before you begin the process.
Read our outcomes explained guide for multiple sclerosis clients.
Check out our other underwriting guides.
20.4.12
What have your clients got to lose? Can state benefits replace the financial loss?
Raising the issue of death or critical illness in your protection discussions isn’t always easy. Many people think the Government should help, but do they know exactly what help is available? Take a look at our handy state benefits flyer, which will help you prepare for those objections and turn them into opportunities.
Download the state benefits flyer.
17.04.12
HEALTHY OPPORTUNITY.
FREE FOR YOUR PROTECTION CLIENTS.
Our customers are at the heart of what we do and their well-being is important to us. That's why we’re offering free access to Healthy Living – an online e-tool to assess, monitor and improve their health. This benefit is unique within the Individual Protection Market and we are offering it free to all new protection (term, CIC, IP, WOL) customers.
It’s good news for you; you don’t have to do a thing. We’ll send new customers an invitation to join in their policy pack with details on how to register online and become a member.
Visit our website for full details.
17.04.12
RELEVANT LIFE PLAN.
GOOD NEWS FOR CONTINUATION.
On 5 April 2012, our Relevant Life Plan (RLP) continuation option changed. If the employee leaves employment there are two options that must be exercised within 30 days of leaving:
- their new employer can apply to continue with the policy (with the same sum assured, premium and term), without the need for further medical evidence or underwriting; or
- they can start paying the premiums themselves and the policy will continue (with the same sum assured, premium and term), without the need for further medical evidence or underwriting. Please note, if this option is exercised Terminal Illness Cover will not apply.
If neither of these options are taken within 30 days cover will cease. Terms and conditions apply.
Download a lead generation letter.
30.03.12
RECORD CIC CLAIMS PAYOUT IN 2011.
We’ve just published our latest critical illness cover claims figures. £177 million was paid to 2,784 people. That’s an average of seven times a day that we give somebody new hope for the future.
Last year the average age of claimants was 43, and the average claim payout was £63,573.
We're in the business of paying claims and since 2003 we've paid over a billion in critical illness cover claims.
Read the full report.
Read our CIC competitor guide.
Watch our ABI+ definitions video.
We’ve won another award – Money Marketing Best Protection Provider - for the 8th consecutive year! Thank you for your votes.
27.03.12
Running a business protection seminar? Make sure it’s a success.
Running a seminar is not a difficult task. But, if you want it to be a big success, it needs careful planning. Our new seminar guides can offer help and advice on how to plan for a seminar and give you the perfect opportunity to talk to your clients about protecting their business and the solutions available to them.
Our guides contain:
- advice on planning your seminar
- checklists through the pre and post stages
- sample letters, agenda and feedback forms.
All of the seminar support material can be downloaded from the adviser website. Check it out today.
19.03.12
GOOD NEWS IN TRAVEL RELATED UNDERWRITING.
Travel outside the UK can involve increased risks such as visiting war zones, politically unstable areas or health related risks.
If you have clients who travel frequently, we want to help give them an improved chance of being eligible for our life cover. We've reviewed our underwriting approach and made some changes.
Read the full update.
Visit the underwriting website.
12.03.12
MOTHERS DAY CAMPAIGN SUPPORT
Our research shows that it could cost £30,000 a year to pay someone to replace a Mum’s domestic work. By asking your clients how they’d cope if a parent died, you have an opportunity to discuss the importance of personal protection. These are the tough questions, but every adviser should be prepared for the conversation.
Check out our range of support material to help you run a Mothers Day campaign:
- Value of a Parent Research brochure
- ‘Valued?’ and ‘Priceless?’ client facing posters
- Value of a Mum lead generation leaflet
- Value of a Mum lead generation letter
- Personal protection client brochure
- Family and Personal Income Plan (FIB) client brochure
Visit our campaign website to download the items.
05.03.12
SAVE YOUR TIME.
When you submit protection applications on OLP Connect, the system will be able to let you access useful information such as:
- When we’ve sent a letter chasing your client’s medical evidence
- When an underwriting decision was made
- Whether your client has been accepted at standard or non-standard terms. If it’s non-standard, you’ll be able to see why eg. medical, occupational or hazard pursuits reasons
But, one of the most important benefits of OLPC is often overlooked; that's the ability to get your client's policy on risk. Just enter the 'start date' online and we'll do the rest.
Visit the website for more time saving ideas.
27.2.12
IPB OR MPPI? GET THE FACTS RIGHT.
Do you always consider both short and long term protection cover for your clients? Does your chosen solution take into account any relevant deferment periods and your clients’ existing policies?
We’ve compared the features of both products and presented the facts side by side to make it easy for you and your clients.
20.2.12
CHILDREN COVERED.
For parents, children are the most precious priorities in their lives. Do your clients know that when they take out our critical illness cover, children’s cover is automatically included for their existing and future children? The age range is 30 days old to age 18 and there are no additional forms or paperwork needed. Last year we paid 60 children's claims, 67% of which were for cancer.
Read more about childrens critical illness cover.
Read our guide to critical illness cover.
ARE YOU PROUD OF WHAT YOU DO?
YOU CAN BE.
We don't always get to see the good that we do for our clients when we sell them protection. It can make a huge difference to clients and their families. We must never forget that.
Our new films will help to share with you some of the real-life experiences of our protection clients. They are real and moving evidence of what a great job their advisers, and our own claims team, did for them at their time of need. Above all, these stories really demonstrate the difference that protection can make in any person’s life. This is why we're in the business of protecting lives, and why we're all passionate about the real need for it. The stories should make us all very proud of the work that we all do every day and drive us on to protect more people.
Watch the film clips on the Legal & General protection website.
23.01.12
GOOD FOR BUSINESS
We're pleased to offer a 5% premium discount for your own firm's business protection cases. Commission must be taken as non-indemnity and terms and conditions apply. Why not get in touch with the specialist protection team today to see how you can take advantage of this offer.
Visit the business protection website.
18.01.12
KEEPING YOUR BUSINESS - LET US HELP
Protection policies often lapse in the new year. Don't let your clients lose valuable cover. Check out all the help we can offer you to retain more protection business.
Read our protection matters update on retention.
10.01.12
New year resolution - I will learn more about ABI+ and CIC definitions!
By watching our short videos, you can build on your knowledge and expertise, adding more value to your client discussions. ' Critical Illness Cover definitions' is a focus on the top four illness definitions from an underwriting and claims perspective. ' ABI+ and what it means for your clients' explains the difference between ABI+ definitions and standard critical illness definitions. It also explains the benefits of having ABI+.
Watch the ABI+ video
Watch all underwriting videos
12.12.11
ANXIETY AND DEPRESSION – MOST COMMON FORMS OF MENTAL DISTRESS IN UK
TWO IN THREE BRITISH MEN AND WOMEN WITH HIGH CHOLESTEROL
How many are or will be your clients? Learn what effect these conditions have on our underwriting decisions so that you and your clients know the potential outcome of an application before you begin the process.
Read our outcomes explained guide for clients with anxiety and depression.
Read our outcomes explained guide for clients with high cholesterol.
Check out our other underwriting guides.
5.12.11
2.8 MILLION IN UK WITH DIABETES
ONE IN THREE UK ADULTS WITH HIGH BLOOD PRESSURE
How many are your clients? Learn what effect these conditions have on our underwriting decisions so that you and your clients know the potential outcome of an application before you begin the process.
Read our outcomes explained guide for diabetes clients.
Read our outcomes explained guide for clients with high blood pressure.
Check out our other underwriting guides.
Check out our video on IPB
‘Income protection benefit – the underwriting explained’ . Brian Kemp, Underwriting Manager, summarises the product, what it is, who might benefit from it, when a claim might happen. He also explains deferred periods, existing medical conditions, symptoms and key occupation categories. Watch this to find out about common reasons for an IPB claim, such as back pain, and how claims are handled.
22.11.11
Inheritance Tax Planning
Most people wouldn’t want the government taking a large share of the assets they’d hoped to leave to their loved ones. With our experts’ knowledge and experience, you can help your clients plan for inheritance tax and minimise their IHT liability. Our Whole of Life Protection Plan provides a simple guaranteed solution in uncertain times.
Read the Whole of Life Adviser Guide
Download the IHT Client Brochure
21.10.11
Not got the app yet?
Visit the app store today and download our new protection quote iPhone and iPad app. You’ll always be able to let your clients know how much their cover could cost when you’re on the go. Get access to real time quotes and once you’ve got the figures, there’s a facility to email results to admin teams.
10.10.11
Unique new legal advice service for you
We’ve signed an exclusive deal with Lifetime Legal Services, an expert panel of solicitors, to offer legal advice for business protection clients. It’s designed to work hand in hand with the protection advice you’ve given and offers clients a simple route for their legal advice. And added peace of mind that their business assets are protected.
Find out more
Are you quoting on the go yet? – download our new iPhone and iPad protection app.
The Value Of Being Informed
Our new range of video clips were produced with you in mind. They'll help to build your knowledge and expertise and add more value to your client discussions. The first two are available to you now. 'An introduction to underwriting' is an overview of the process and the reasons for underwriting. 'Claims – delivering on our promise' explains how we manage our claims. Every day matters for our customers in claims. Every call, every meeting, every email, every letter, every thought, every action. Find out more.
IPHONE AND IPAD PROTECTION APP - launched 15 September 2011. Find out more.
Our protection products - all you need to know
We designed a tool to make it easy for you to access product information. Whether you need to know about:
· the events when any benefit is to be paid out
· product options such as GIO or Waiver
· key limits and conditions
· acronyms or definitions
Or maybe you just need to help a client write a policy in trust? Then, look no further - check out how easy it is to get to the specific information you want in our Product Profiles.
OUR PROMISE TO YOU
We'll beat the standard premium offered by a competitor on high sum assured Term and Critical Illness quotes with our Price Beater offer. You won’t have to sacrifice any commission rate in the process.
Download our Price Beater flyer
DIRECT DEBIT COLLECTION DATE CALCULATOR
When it comes to collecting premiums, the simple details make all the difference to clients. Like, whether there could be a double collection in the first month. Not being clear on the details can often be a reason for cancelled protection policies.
We've designed a new calculator to help you show your clients when their premiums could be collected.
FINDING IT HARD TO COMPARE CIC PRODUCTS?
We've produced a new comparison leaflet so that you can see how our product measures up in the market. To make your life easier, we've grouped illnesses into new categories such as "most common", "heart related", "organ failure" and "neurological" conditions. To order hard copies, please contact the Protection Sales Team on 0845 273 0010.
Read the full comparison guide.
£7.3 MILLION IN CLAIMS PAID IN 2010 AS A DIRECT RESULT OF OUR RETENTION TOOLS
This is proof that our retention tools make a real difference in everyday life. Without our tools over 100 clients or their families may not have been able to claim due to lapsed cover. If you need help with lapses or cancellations from outset then why not use our Early Warning System? It's easy to register - just email the retention team.
We've got a new website packed with helpful support, success stories, video clips from our retention experts and a calculator that will help you work out how much business you could save. You can even reinstate a client's direct debit with our new online tool.
NEW DIRECT DEBIT REINSTATEMENT FACILITY
Great news! We're giving you the ability to reinstate your client's direct debit with a simple and quick online tool. It's just one of the retention tools we can offer advisers. Since 2006 we've worked with over 15,000 firms and advisers providing them with access to our Early Warning System. Thanks to our support, advisers have been able to save many of their clients' cover as well as their own commission.
Find out more about the reinstatement tool
Reinstate a client's direct debit
Read about our full retention service
Help to calculate the protection shortfall for your clients
Your clients may think that the cost of protection is a luxury they can’t afford. But could they rely on the state or family to maintain their lifestyle? Our new online budget calculator can be used with your clients to help work out their monthly outgoings and potential protection requirements.