Protection CPD Course  

Guide to managing obstacles in protection

  • Identify the challenges with loading
  • Explain how to manage clients with multiple protection needs
  • Identify different types of cover available as working patterns change
CPD
Approx.60min
Guide to managing obstacles in protection
 Credit: Andres Ayrton via Pexels

Introduction

It has become easier to talk to clients about their protection needs as a result of increased transparency in the industry when it comes to claims stats, and also as a result of the pandemic.

But even though people might be more open to conversation and the industry is striving to be innovative when it comes to products and services, not every case is straightforward.

So how can certain obstacles when it comes to obtaining protection insurance be overcome?

This guide will explore how to manage the challenges concerning loading, how to manage multiple insurance needs and the type of cover that is suitable for those with non-standard working arrangements.

The guide is worth an indicative 60 minutes of CPD.

In this guide

CPD
Approx.60min

Please answer the six multiple choice questions below in order to bank your CPD. Multiple attempts are available until all questions are correctly answered.

  1. According to Alan Lakey, when considering the most appropriate protection cover what is one of the most important things to do?

  2. Why is loading a major issue for advisers?

  3. What has been put forward, by Kusal Ariyawansa, as a solution some advisers use when dealing with loading?

  4. True or false, Scott Gallacher says an obstacle to getting adequate IP can arise where an individual is in business with someone else.

  5. True or false, the question of pension term policies causing annual allowance issues arises with older and newer policies.

  6. What does Ricky Chan say is one of the difficulties with the current protection application process for clients with multiple protection needs?

Nearly There…

You have successfully answered all the questions correctly, well done!

You should now know…

  • Identify the challenges with loading
  • Explain how to manage clients with multiple protection needs
  • Identify different types of cover available as working patterns change

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