specialist protection team (w13219)

SPECIALISTS MAKE ALL THE DIFFERENCE.Our knowledgeable and experienced Specialist Protection Team are experts in business protection and high sum assured cases.

With over 70 years combined experience in Financial Services, we can help increase your business levels through education, advice and training support in the business protection market.

SPECIALIST PROTECTION TEAM

This is not a consumer advertisement. It is intended for financial advisers and should not be relied upon by private investors or any other persons.

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RICHARD KATELEY Head of Specialist ProtectionT: 07771 731551 E: [email protected]

Richard heads up the Specialist Protection Team and brings a wealth of experience with him. He joined Legal & General in 1987 and has been managing accounts at a national level and developing business strategies to improve propositions and the customer journey for advisers. This experience will add value and further enhance the well-established reputation of the Specialist Protection Team.

“ For me Corporate Protection is the least developed area of business in the protection market. I see it as our role to help advisers and clients realise the need to protect their businesses and understand the implications if they don’t. The team have developed a fantastic proposition, including training material, that is designed to help and support our advisers in recognising the potential in this area of business.”

Our Specialist Protection Team have the experience and expertise to guide and support advisers.

ROBERT BETTS Market Development ManagerT: 07912 304833 E: [email protected]

Robert has been helping Advisers and Businesses protect their owners and employee’s health, wellbeing and financial futures since the early 1990s.

Having experienced life working on both sides of the fence, managing key relationships and sales teams with providers and as a corporate adviser in his own right, Robert draws on his vast knowledge and experience from working with clients who ranged from small SMEs to FTSE 100 Blue chip PLCs.

He is keen to understand the client’s business goals, along with the wishes and desires of the people that work within them, the aim is to expose and resolve the financial issues they may face.

A Key note presenter and protection expert, Robert brings “real life” experience to the specialist team.

“ I love to help advisers step outside of their comfort zone as they take their first steps into new areas of advice.

The corporate arena and especially the business protection market can at first appear to be quite confusing and daunting.

By offering a consultative resource, that advisers and their clients value and can rely on, the Legal & General specialist team are leading the growth and confidence in the business protection market.

The results of our efforts so far speak for themselves, but there is a long way to go as we continue to encourage and help more advisers break into and grow their reputations in this market”

MEET THE TEAM.

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STUART HALLIWELL Market Development ManagerT: 07921 780658 E: [email protected]

Drawing on his experience of underwriting at a senior level, specialising in business protection and large sum assured business, Stuart has been key in developing tools and detailed workshops to aid advisers when selling business protection.

“ I am very proud of the work we do within the team, aiding advisers to work successfully in this market place; developing their own knowledge and growing their business.”

EMMA DAVIES

Market Development ManagerT: 07525 666314 E: [email protected]

Emma was the first to join the team in 2009. With a background of over 25 years in financial services and her experience in the corporate market, Emma has a well-earned reputation for understanding how to develop successful business propositions and deliver them to advisers. She is renowned for being an excellent presenter to both advisers and clients alike.

“ As a team, we’re proud of our work, supporting our adviser community in developing and growing their business. We’ve never taken a ‘tell them’ approach in anything we do and I think that’s recognised and appreciated in the market.”


BUSINESS STRATEGYSupport with developing your business model and breaking into the business protection market.

TECHNICAL KNOWLEDGEHelping you understand the principles of business protection and giving you confidence to demonstrate expertise in this area.

MARKETINGAdvice and ideas to help you develop your marketing strategy.

PROSPECTINGWhere you may be able to get new business clients and how to approach them.

TAXATION AND TRUSTSHelping you understand taxation and the importance of Trusts.

UNDERWRITINGSupport and advice on all aspects of our underwriting. You can also speak directly with an underwriter for any pre-sales enquiries.

TRAININGGiving you, your advisers and staff any training they need on a specialist subject.

Our Specialist Protection Team are experts in the field of business protection and high sum assured cases. We’re dedicated to helping financial advisers find opportunities for new business whilst making it as simple and profitable as possible.

LEADING THE WAY IN SPECIALIST PROTECTION.

“ We aim to be the go to team for any adviser who wants support in developing business models and improving knowledge and expertise in the business protection market.”

RICHARD KATELEY Head of Specialist Protection

WE CAN HELP YOU WITH:

BUSINESS PROTECTION WORKSHOPS: WE’VE GOT EVERYTHING COVERED.

Protecting profit driversA look at a key person specific case study, considering the costs of replacement and the impact on a business’s profits if they were to lose a key individual.

Review of a set of accounts for a typical business Understand how to review a set of accounts and use the information within them to identify the potential protection sales opportunities.

Financial underwritingHow do we assess cases, our requirements and how to get cases through the process as quickly as possible? Become a financial underwriter and work ‘real’ case files.

Client seminarsConsider possible tax implications when business owners are thinking about exit strategies. What Capital Gains Tax could be payable? What reliefs can they use on selling the business? And how can share protection be tax efficient for the personal estate?

Accountant and solicitor seminarsBespoke case studies looking at the loss of a key person and the effect on the profit and loss, Relevant Life Plans and tax planning for clients. The course also covers business agreements and the requirement of legal advice with share protection.

The basics of business protectionWhat are the types of protection a business should consider and how do they achieve the client’s objectives?

Research and opportunitiesA look at our latest research, carried out with business owners themselves, highlighting the shortfall in areas such as shareholder, key person and business loan protection.

Relevant life plansHow these plans work, the legislation that makes them tax efficient and the sales opportunities in the corporate market.

Interactive business protection case studiesAvailable for advisers and lead generators to spot the opportunities and needs for business clients.

Understanding business riskUnderstand the key questions to ask business clients to help identify their needs and build strategic solutions.

Corporate client vs. personal clientConsider the business protection solutions for shareholder protection and how these could impact the client’s personal wealth.


We’re here to guide you in the business protection area, providing dedicated support and training through a number of specialist courses covering everything you need to know. And if you have any special requirements, we can tailor our training to meet your specific needs.

These workshops have been accredited by the CII and can be included as part of your CII/Personal Finance Society CPD requirement should you consider it relevant to your professional development needs.

EXPERT SUPPORT WHEN YOU NEED IT. We offer a range of adviser and client facing support materials full of information about the business protection market and our priority protection service.

RESEARCH The UK business protection gap currently stands at approximately £1.35 trillion in uninsured risk. Our latest research can help you tap into the potential of the business protection market and understand the needs of business owners.

EXPERT SUPPORT VIDEOS Our videos are designed to help simplify complex subjects and improve your knowledge. These include; Generating Business Leads, Marketing Your Services, Understanding Accounts and an Introduction to Business Calculators.

BUSINESS OWNER AND FINANCIAL ADVISER TESTIMONIAL VIDEOSGet views and thoughts on many different aspects of business protection to help you in your approach with business owners, plus useful ideas about working in the business protection market. ONLINE CALCULATORSOur range of calculators can help you throughout the advice process. They include our Key Person, Business Valuation and Relevant Life Plan calculators. SUPPORT LITERATURE We offer a range of adviser and client facing support material that can help you in the business protection market.


“ If you need to understand the proposition, the products, the process, just go onto the business protection website. There is a lot of useful information on there. There’s nothing more that you need to just get on and actually do business.”

GUY MOLITERNO, Financial Adviser, Mayfair Insurance & Mortgage Consultants

BUSINESS PROTECTIONlegalandgeneral.com/business

PRIORITY PROTECTIONlegalandgeneral.com/priority

VISIT OUR DEDICATED WEBPAGES



We’ll beat the standard premium offered by a competitor on high sum assured Term and Critical Illness quotes.

Please refer to our Price Beater flyer (Q28987) for full terms and conditions. This offer may be amended/withdrawn at any time. Copies can be found on our dedicated Priority Protection website legalandgeneral.com/priority

We’ll also confirm terms and, if required, discuss alternative options and costs for any cases with non-standard terms.

You will be able to view the underwriting decision online and in real time through OLP Connect.

Following receipt of a fully completed application form we will:

• complete our initial assessment and issue our requirements.

• call you to acknowledge its receipt and confirm the next steps.

To beat a competitor’s premium

Provide an initial assessment within 24 hours

Action each piece of underwriting evidence we receive within 48 hours

We will provide you with regular updates on the progress of your cases.

Contact you the same day our underwriters make their decision

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ELIGIBILITYBoth you and your clients can benefit from Priority Protection across all of our personal and business protection product ranges. An application will be eligible for this service when the sum assured meets the following criteria:LIFE COVER £600,000 AND OVER.

LIFE AND CRITICAL ILLNESS COVER £350,000 AND OVER.

INCOME PROTECTION BENEFIT £2,000 PER MONTH AND OVER.

OUR PRIORITY PROTECTION PROMISE.Our Priority Protection service ensures that your entire high sum assured business is underwritten and completed with the minimal amount of disruption for you and your clients. To reinforce our commitment to provide you with an exceptional level of service from start to finish, we promise:

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“ Our Priority Protection Promise reinforces our commitment to consistently deliver, through our skilled and dedicated team, an exceptional level of support and service quality to you and your clients.”

KARAN MARTIN Retail Protection Customer Service Director


CARDIFF

Legal & General Priority Protection Team 3rd floor, Brunel House 2 Fitzalan Place Cardiff CF24 0EB

T: 03700 600 733 F: 0345 674 0763 E: [email protected]

Monday to Friday 9am to 5pm.

HOVE

IFA PROTECTION SALES TEAM (GENERAL ENQUIRIES)

MEDICAL UNDERWRITING TECHNICAL ADVICE LINE (MUTAL)

TAXATION AND TRUST QUERIES

Legal & General Priority Protection Team City Park Building 2 Hove BN3 7PY



To talk about business protection and our other products.

T: 0345 273 0010 E: [email protected]


COMMISSION ENQUIRIES HELPLINE

T: 0370 900 5010


CLAIMS AND TERMINAL ILLNESS NOTIFICATION

LIFE AND TERMINAL ILLNESS CLAIMS


CRITICAL AND TERMINAL ILLNESS CLAIMS


INCOME PROTECTION CLAIMS




E: [email protected]

OFFICE LOCATIONS

HELP AND SUPPORT

All claims lines are open Monday to Friday 9am to 5.30pm.

We may record and monitor calls. Call charges may vary.


Legal & General Assurance Society Limited Registered in England and Wales No. 166055 Authorised and regulated by the Financial Conduct Authority.

Legal & General Partnership Services Limited Registered in England and Wales No. 5045000 Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Registered office for both firms: One Coleman Street, London EC2R 5AA.

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specialist protection team (w13219)

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