
The Exeter Showcase Page

Adviser support:
Email: adviser@the-exeter.com
Call us: 0300 123 3203
Underwriting:
Email: underwriting@the-exeter.com
Call us: 0300 123 3203
Opening hours: Monday to Friday, 8am – 6pm
Protection Guru has worked with The Exeter to create a concise objective analysis of their proposition.
The Exeter in their own words
As a mutual, we couldn’t be more friendly. We’re committed to working with you to grow your business and deliver the best possible outcomes for your clients. Put simply – you matter more.
Our multi award-winning proposition provides you with a range of products to meet your clients’ needs, including:
Income protection (IP)
- Income First – IP for a wide range of occupations, from office-based professionals to manual workers and skilled trades.
Life cover
- Real Life – cover for those with serious or multiple health conditions
Added support through HealthWise
Our HealthWise app is free for members and their immediate family, giving convenient access to expert medical advice and treatments.
Find out more at: www.the-exeter.com/adviser
130521/2033
Supporting clients from different occupations and with different health conditions
Flexibility of cover
Deferred periods
Level or age costed
Benefit payment periods
The Exeter offer 2 year, 5 year benefit and full term payment periods in order to meet all client budgets.
NHS medical professionals and teacher sick pay matching
Employer change promise
Rental increase options
The ability to increase benefit levels without underwriting if your clients’ circumstances change, this includes options for renters.
Providing more certainty of benefit
Fixed Benefit Option
The Exeter’s fixed benefit option provides the ability for financial underwriting to take place at outset so that the client can fix up to 75% of their benefit which will be paid without any further financial underwriting at claim.
- The client has up to 12 months from the start of the policy to add this feature.
- If the indexation option is included the fixed benefit will also increase in line with inflation.
- The client needs to be in active employment at point of claim so if they are unemployed or a houseperson this benefit will not apply.
- The non-fixed proportion of the benefit will still be financially underwritten at point of claim.
“The fixed benefit option from The Exeter provides clients with more comfort that regardless of the level of their income at point of claim the majority of the benefit will be paid.
This type of benefit is rare on income protection plans and a real USP for The Exeter in supporting those clients that might see their income fluctuate up and down over their career.”
Tools and support to help income protection conversations
The Exeter’s Income Protection toolkit, provides advisers with a host of tools and information in order to help improve the income protection conversations they have with clients. Protection Guru were very impressed when this was launched and our founder, Ian McKenna stated:
“Overall, this is a valuable addition to the resources available to advisers who want to grow their Income Protection business and in the current environment everyone should be looking to do that. Unless you are writing stacks of income protection business day in day out advisers should devour this toolkit and even if they are, I think the income risk calculator will be invaluable.” See the full review here

Roll your mouse over or touch to expand
Income Risk Calculator
Reasons Why Editor
Objection handling
Sales Aids
Research
Supporting clients & their immediate families both physically and mentally

Remote GP
Second medical opinion
Physiotherapy
Mental Health Support
Registered Dietitian consultations
Lifestyle & nutrition consultations

Healthwise Stats

Remote GP Appointments
Most common reasons for appointments:
- Musculoskeletal conditions
- Skin conditions
- Infections & respiratory illness
- Ear, nose & throat conditions
- Sexual health

Mental Health Support
Most common reasons for appointments:
- Anxiety & depression
- Stress & work related stress
- Loss/grief bereavement
- Compulsive disorder
- Relationship issues

Physiotherapy support
Most common reasons for appointments:
- Knee & leg
- Back pains
- Head/neck & shoulder
- Muscles/joints & tendons
- Arm & elbow
Areas for improvement
- Whilst The Exeter have recently provided access to nutrition services to income protection customers we would like to see more of the various elements of HealthWise offered to all customers especially within their life contracts which do not currently provide mental health support
- The minimum benefit guarantee on Income Protection plans is low at £1,000 per month and incurs additional costs
- The Exeter will waive the deferred period if a client returns to work and becomes ill again with the same or linked condition within 6 months. Other insurers offer this for up to 12 months.
- We would like to see The Exeter add a death benefit and offer greater support to clients when diagnosed with a terminal illness.
- Could offer a hospitalisation benefit to support clients during the deferred period if hospitalised for an extended period of time.
Protection Guru has worked with The Exeter to create a concise objective analysis of their product range. The Exeter have had input to the design of this page and contributed to the cost of the construction and maintenance, however Protection Guru have maintained editorial control over the content to ensure objectivity.