Industry news and views from Panacea and our partners.
Protection_
L&G: CIC with indexation - because times change.
According to the Office of National Statistics, the cost of white bread in 2000 was £0.52. And in 2012 it rose to £1.30.
Scottish Provident: Something for nothing extra
Did you know that your clients can get extra benefits and additional covered conditions for no extra cost when they select certain benefits through a Scottish Provident Self Assurance plan?
Bright Grey: Join the £200 million critical illness giveaway
To celebrate our 10th birthday we're giving away 10,000 freebies, each worth up to £20,000 of Critical Illness Cover for a year.
L&G: Over 41,000 people are diagnosed with bowel cancer each year*
We understand that some conversation topics are considered unpleasant and often difficult to discuss.
L&G: Critical illness cover (cic) improvements 2013
We've now enhanced our Defaqto 5 Star Rated CIC product with indexation and optional TPD.
L&G: Keeping you up to date
Following the budget we have updated our State Benefits sales aid with all the latest figures.
Bright Grey: The bills don't stop coming when the mortgage is paid off
If your clients were critically ill and couldnt work, mortgage protection would pay the mortgage but what about all the other bills?
Scottish Provident: When term cover is not the only answer
Today, many people rely on their homes to provide for them in their old age
Legal & General : Record breaking critical illness claims
Weve paid out a record breaking £209 million of critical illness claims in 2012. Thats by far the most weve ever paid out in one year!
Bright Grey: First-time buyers are on the increase
Figures from the Council of Mortgage Lenders show there were 216,000 first-time buyers in 2012 that's the first time since 2007 that the annual amount has been above 200,000.
Skyman has landed! Legal & General launch first game for smart phones and tablets.
we launched our very first game for smart phones and tablets. Weve developed the game to connect our brand with a younger market whilst giving a light-hearted education into personal protection.
Protection through the generations from Scottish Provident
Pegasus is a whole of life plan that has no fixed term and provides a lump sum on death
PruProtect launches new online Vitality magazine
PruProtect launches new Vitality magazine for customers. Full of articles and tips on how to lead a healthy lifestyle.
PruProtect 2012 H2 results show strong profit
Discovery, the majority shareholder of PruProtect and PruHealth, has released its interim results for the six months ending December 2012.
Metlife enhances capacity for loss campaign
Expanded toolkit enables advisers to extend client relationships
Scottish Life: Consultancy Charging where are we now?
We look at why the DWP are conducting their "urgent review" and what the consequences would be if the charge was disallowed.
Bright Grey: Cancer patients don't need to face it alone
New research from Macmillan has found that nearly a quarter (23%) of people diagnosed with cancer in the UK will lack support from their family or friends during their treatment and recovery
CIExpert launch value based assessment for CI policy replacement
It has long been recognised by advisers that the task of comparing a critical illness policy with one that a client has previously acquired is an onerous task.
Bright Grey - Join the debate and help drive the future of protection
With the focus on gender now firmly in the rear view mirror its time to focus on marketing and experimenting with different ideas to give protection a shot in the arm.
L&G: The value of a parent
How many of your clients are parents? Have they considered the value of the domestic work they do that they dont get a payslip for?
Scottish Provident : Tony Blair, Harry Potter and the arrival of claims paid statistics
Take yourself back to 1997, Tony Blair became prime minister, we heard about dolly the sheep being cloned and we were introduced to a boy wizard called Harry.
BrightGrey: Uncovered
Roger Edwards, Managing Director of Bright Grey and Scottish Provident today unveils a new look for his protection focused blog, Uncovered.
Bright Grey: We give up to £40,000 free children's critical illness cover with our critical illness menu plans*
We all know it happens. Children get ill. Although money won't make that any less devastating for parents, it could help relieve some of the stress.
L&G: State benefits - are they enough?
Austerity measures in the UK include some of the biggest cuts in state spending since World War II.
Weekly news from Legal & General
Business Protection can often be perceived as complicated but in reality its not
Family Finances Report reveals savings are on the up for UK families
Our latest Family Finances Report shows UK families are prioritising saving in these tough times.
Legal and General: Discretionary Trusts - Mark Green on how to make an exit
Mark Green, Legal & General's Head of Tax & Estate Planning, covers Discretionary Trusts and the exist charges associated with them. This is Mark's latest article from International Adviser
L&G: Protecting our loved ones
Clients take out cover with the hope that they and their loved ones will never need to rely on it. Sadly this is not always the case and we want to share with you some real life experiences of our protection customers.
Scottish Provident: A 5 Star product but dont take our word for it
In this digital savvy world theres plenty of opportunity these days to rate a product or service but how many reviews do you really believe?
50% discount on monthly gym membership with PruProtect
Why not kick-start the new year with a gym membership? With Vitality Plus, were making it easier to make this year a healthier one with a 50% discount on a monthly gym membership.
Bright Grey: We paid 93% of critical illness and 95% of life claims in 2012
From the beginning Bright Greys been in business to pay claims, with a goal of paying as many claims as possible. In fact, in 2012 we paid over £17 million in critical illness claims and over £19 million in life claims.
Weekly news from Legal & General
We are proud to announce Defaqto have reaffirmed our 5 star rating for both our Critical Illness Cover and Income Protection Benefit products.
Legal & General maintain B+ (very strong) rating from AKG.
This is the highest financial strength rating given to any international life company.
Scottish Widows: Working with you in the new RDR world
After many years of planning by advisers and providers alike, the Retail Distribution Review (RDR) has arrived.
L&G: Taking the myth out of underwriting.
Our underwriting guides cover a range of common medical conditions that your clients may suffer from.
Scottish Provident: Heres something for nothing
Did you know that your clients can benefit from extra benefits at no additional cost when they select certain benefits through a Scottish Provident Self Assurance plan?
Bright Grey: January the month of divorce, engagements and opportunity
Did you know January is the busiest month for divorce in the UK, with more couples filing for divorce on 8 January than any other day of the year?
Bright Grey: Is 2013 the year of protection?
2012 was a year of change for our industry, with the gender directive and I minus E changes and RDR. But we've made it out the other end, and we think 2013 should be the year of protection.
Legal & General: Are they enough? State and employee benefits.
We believe one of the main reasons people choose not to take out insurance is that they think their employer or the state will take care of them if they're unable to work.
Why the RDR is great news for Secure Advantage
First, we would like to wish you a very Happy New Year, and second, we are pleased to announce the launch of our improved Secure Advantage Lifetime Income Plan range.