Hello,
It’s Jessie here, your Customer Success Specialist at Protection Guru.
For those of you who don’t know me, I first joined FTRC while studying for my BSc in Banking and Finance, and since then I’ve grown into my current role as Customer Success Specialist, focusing on protection. I’m passionate about helping advisers get the most out of Protection Guru Pro, whether that’s supporting your sales process or making it easier to highlight real value to clients.
I just wanted to check in to see how you’re getting on and if you have any questions for me.
Whether you’ve been exploring Protection Guru Pro, reviewing comparisons, or reading our daily insights and other website resources, I’d love to hear how you’re finding things so far. And of course, if you’ve come across any challenges, can’t locate something, or simply have a question on any part of the system, I’m here to help.
If there’s anything you’d like to see added, or if you’d like to arrange a time for us to reconnect and go through the next steps, please don’t hesitate to let me know. Your feedback really helps us continue to improve Protection Guru for people like you.
Jessie’s top tip 💡
“Use Protection Guru Pro’s benchmarking tools to compare new or replacement Critical Illness cover definitions against what clients currently have. This lets advisers show clearly whether a client’s legacy policy is still competitive or whether upgrading or switching might offer significantly better protection.”
Thanks for using Protection Guru and being a part of our community. No question is too small, so feel free to drop me a line any time.
Have a great day!
Best wishes,
Jessie
what i would like to see on protection guru is more specific point about all providers , and what they bring to the Industry for clients
In Short not about ancillary covers they provide, more about own occupation, and eg do they have to notify the provider if they change occupation, other than salary increasing or decreasing?
why do 2 companies offer indexation on a like for like basis, and the others do not?
And why do some companies only allow indexation to be turned down once
Name and Shame.
I know but do all advisers know?
These question srea far more important aftera ll consumre duty requires cpi or rpi or so tehy say for all policies, but you still need to make sure cleints are not exceeding limits
Hi, after submitting ten D.I.P.’s to well known insurance companies, nine collectively declined my client for Income Protection cover, due to his occupation to the point where they would not even consider acceptance with exclusions etc.
My clients occupation is a ‘wind turbine engineer’, he works offshore two weeks in every four in the ‘Nacelle’ (the housing at the top of the tower).
Comprehensive details were included with each D.I.P. in relation to the height of the tower, type of boat used for transporting the employees, height of waves before becoming shore bound, wind speed, the list was endless.
However, only one company considered his application, following thorough underwriting, they offered him ‘STANDARD TERMS’ without any exclusions!!
The company was ‘LIVERPOOL VICTORIA’!!
Following on, my client recommended me to his colleagues for Income Protection cover, this has proven to be very lucrative as it has led to Life Assurance policies and Critical Illness policies being written. All of same were placed with Liverpool Victoria and issued on standard terms.
To date, I have written over 12 cases and still writing as I send this message, all thanks to Liverpool Victoria.
After 47 years in this industry, underwriting decisions never cease to amaze me……but the differential between nine declines and one acceptance on standard terms and the reasoning behind these decisions is incomprehensible, why should this be?
In the early part of the new year, I will have completed 48 years in the sales/adviser role and intend to retire (67).
I will not miss the illogical underwriting decisions occasionally produced by these departments one little bit!!!!
I might even write my memoirs about everything to do with the industry……… it will be a best seller!!
@David Berry, there is extensive analysis along the lines you suggest already on the site and we are looking to add more. Creating that sort of detailed article is the most time-consuming to deliver allowing for bringing all the information together, creating the copy and validating it. We are looking at how we can increase the volume of the sort of pieces, watch this space in the near future.
We have introduced our monthly Protection Digital Directory, of which you should’ve received the second issue last week, to make this easier to access.
At Protection Guru our role is to compare and contrast products, we will be clear about the facts and if we think there are significant negatives an adviser needs to be aware of we will highlight them. We have to strike a balance, insurers can be very sensitive, sometimes about the slightest suggestions they can do better. If you want to “name and shame” in the comments obviously you can do so.