Sales Aids

Impress your clients with our sales aids

Our sales aids contain powerful arguments that can help you make key points either on screen, by email or in print.

Best of all, by registering and following a few steps, you can brand them with your own company logo and contact details.

All the material has been approved by Royal London’s compliance team. You should however make sure that your own compliance department approves the versions you’re using.

Don’t be left out in the cold

Keep your clients’ income covered and make sure they protect what matters most.

You might typically think that income protection is more relevant to your clients who have a mortgage. But the number of people renting is on the rise and the cost of renting is climbing so there’s a growing group who could be exposed financially if they couldn’t work because of illness or injury. In fact, more than 1 in 3 renters don’t know how long they could survive financially if they stopped working.

Talking to potential clients like this about the risks of not protecting their income could help keep a roof over their head.

Source: 1 Survey of 2009 UK adults, YouGov, February 2016

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How much does time cost?

Highlight the need to protect the road to recovery.

The statistics show that more and more people are recovering from serious illnesses that, at one time, might have killed them or at least ended their working life.

With advances in medical science, the challenge for many people can be funding their recovery until they are well enough to return to work.

Recommending a small amount of Critical Illness Cover may well solve this problem. It can provide your client with the income needed to get them through a recovery period.

And because of the small amount of cover required it’s more affordable too.

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Down but not out

Protect the most important things in your client’s home

Remind your clients that many people cover their household appliances to protect against a disaster, but the need for critical illness cover is often overlooked. Use this sales aid to show clients that it may be cheaper than they think to protect themselves and their families if they were ill and couldn't work.

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Down but not out

Protect your client’s income

It can be a nightmare when things break down. Expensive and inconvenient. That’s why we insure them. But what happens if the person who pays for it all breaks down? Your clients may have protected their home appliances, but without an income, a repair bill could be the least of their worries.

Show your clients that it may be cheaper than they think to protect themselves and their families if they were ill and couldn't work.

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Leave less to chance

Challenge your clients' natural optimism.

Most people don’t like to think about death or serious illness and even if they do, they'll say they don’t need protection because, 'It’ll never happen to me.'

Your client is at much greater risk than they might think and by using a few carefully chosen facts you can soon help clients confront the realities of life.

While most people believe ‘it will never happen to them’. This sales aid provides the statistics to help you persuade them that the chances are it could.

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Leave less to chance

Help your clients understand their biggest risks

The chances of winning the lottery might be millions to one but it doesn’t stop some of us spending at least £2 a week to keep the dream alive. It’s a shame that most clients don’t take the same approach to insuring themselves.

Show your clients that the chances of long-term absence from work are higher than they might think.

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Cover the good days

Protecting loved ones left behind

The loss of a loved one is enough for anyone to cope with without the added burden of financial difficulties too. Life cover can help make sure those left behind don’t lose the stability and familiarity of daily life. All the things that could make loss easier to bear.

Doesn’t everyone want to know that if anything happens to them, their loved ones will be cared for?

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Could you shop if you drop?

Sick pay alone might not cover your client’s outgoings

Does your client know how long their employer will continue to pay them if they were off sick for a long time? Do they realise how little benefits amount to if they had to claim from the state? This sales aid helps start the conversation about income protection.

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How far would you get?

It could pay to get the facts about sick pay

While most people will insure the breadwinner, they often forget the contribution made by the person who stays at home cooking, cleaning, and taking care of children.

They may not contribute financially, but you’d be hard pressed to replace them.

Meeting with both parents to discuss their plans can highlight an often overlooked protection need.

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Look beyond your mortgage

Remind them the mortgage isn’t their only commitment.

While they're arranging protection to cover the mortgage, remind them that they have other debts to pay. What about credit cards, store cards and loans? Adding an extra few thousand pounds to cover these debts costs comparatively little. But it can make a big difference to your clients and to your business.

Drawing your cliets' attention to their level of debts and the cost of maintaining their existing lifestyle helps raise the conversation above simply protecting the mortgage.

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Need a little pick-me-up?

Put the cost of protection into perspective

People often say they can’t afford protection. They don’t believe they have money to spare. So, don’t talk about the cost directly. Instead, talk in terms of things they can afford. Like the little luxuries they never think twice about buying, such as large cappuccinos, take-away pizzas, or a couple of pints. When they can get cover for the same price as a couple of bottles of Soave, suddenly, protection is well within their reach – and it seems a much more sensible way to spend the money.

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Have you made the right call?

Persuade clients to rethink their priorities

People are often quite willing to spend money insuring their pets, their boiler, or the contents of their freezer. Yet they will say they can’t afford to insure themselves. But a small amount of critical illness cover can cost less than it does to insure a dog. And, while vets bills may be expensive, it’s much more difficult to pay the household bills if you’re unable to work through illness.

By comparing the costs in this way you can quickly get your clients to rethink their priorities and find the money for protection. It’s just a matter of getting your client to put themselves first.

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Leave less to chance

Challenge your clients' natural optimism.

Most people don’t like to think about death or serious illness and even if they do, they'll say they don’t need protection because, 'It’ll never happen to me.'

Your client is at much greater risk than they might think and by using a few carefully chosen facts you can soon help clients confront the realities of life.

While most people believe ‘it will never happen to them’. This sales aid provides the statistics to help you persuade them that the chances are it could.

and

Click image to enlarge

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Look beyond your mortgage

Remind them the mortgage isn’t their only commitment.

While they're arranging protection to cover the mortgage, remind them that they have other debts to pay. What about credit cards, store cards and loans? Adding an extra few thousand pounds to cover these debts costs comparatively little. But it can make a big difference to your clients and to your business.

Drawing your cliets' attention to their level of debts and the cost of maintaining their existing lifestyle helps raise the conversation above simply protecting the mortgage.

and

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Just married for better or worse

Made a financial commitment too?

Balance the romance of the wedding with the practical need to protect their new husband or wife. Life or Critical Illness Cover might not be the most romantic wedding gift but when your clients get married, they're making the biggest commitment of their lives. And you can help them put the plan in place to make sure that both they and their spouse are financially protected if the worst happens.

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Hats off to the taxman

For small businesses, there’s a smarter way to buy life cover

Saving money is important to any business. So show your clients how the taxman can help - recommend a relevant life plan. This sales aid shows the savings that your business owner clients can make on their own life cover if they use relevant life policies.

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Protect your nest egg

Do families know how much they spend as well as save?

If your clients have built up savings, wouldn’t they like to hold on to them? Their savings could be at risk if they become critically ill or die, so talk to them today about their protection needs. They might not realise just how much they spend or how quickly those savings could deplete if their income stopped unexpectedly.

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Cover the good days

Protecting loved ones left behind

The loss of a loved one is enough for anyone to cope with without the added burden of financial difficulties too. Life cover can help make sure those left behind don’t lose the stability and familiarity of daily life. All the things that could make loss easier to bear.

Doesn’t everyone want to know that if anything happens to them, their loved ones will be cared for?

and

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Could you shop if you drop?

Sick pay alone might not cover your client’s outgoings

Does your client know how long their employer will continue to pay them if they were off sick for a long time? Do they realise how little benefits amount to if they had to claim from the state? This sales aid helps start the conversation about income protection.

and

Click image to enlarge

Share This

Look beyond your mortgage

Remind them the mortgage isn’t their only commitment.

While they're arranging protection to cover the mortgage, remind them that they have other debts to pay. What about credit cards, store cards and loans? Adding an extra few thousand pounds to cover these debts costs comparatively little. But it can make a big difference to your clients and to your business.

Drawing your cliets' attention to their level of debts and the cost of maintaining their existing lifestyle helps raise the conversation above simply protecting the mortgage.

and

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Don’t leave things up in the air

Make sure the right people inherit

This sales aid explains how putting a protection plan in trust can make sure your clients' money goes to the people they want it to and not the taxman

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Just married for better or worse

Made a financial commitment too?

Balance the romance of the wedding with the practical need to protect their new husband or wife. Life or Critical Illness Cover might not be the most romantic wedding gift but when your clients get married, they're making the biggest commitment of their lives. And you can help them put the plan in place to make sure that both they and their spouse are financially protected if the worst happens.

and

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Who’s keeping your business in the black?

Open the key person protection conversation

All businesses need insurance. For most, this might mean taking out liability insurance, or insuring the building and contents such as machinery. But what about insuring their most important assets, their key people? How would they cope if a key person falls critically ill, or dies?

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Keep control of your business

Start the shareholder protection conversation

If your client’s business partner was too ill to work, or died, you could make sure their shares are kept in the right hands, and that they could afford to pay any outstanding debt. By putting shareholder protection in place, you could make sure the shares are available for the other directors to buy, and there’s enough cash to pay any debts.

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