Adviser Tools
Professional tools to support your protection conversations
Risk Reality Calculator
Calculate the probability of death, critical illness or disability before retirement
Income Gap Calculator
Visualize income shortfall during illness - map sick pay, SSP, and protection needs
Trust Selection Tool
Find the right trust for protection policies based on client circumstances
DD Collection Calculator
Predict when Direct Debit premiums will be collected
Occupation Lookup
Check underwriting classification by occupation
BMI Calculator
Calculate BMI with underwriting indication
CI Definitions
Search critical illness condition definitions
CPD Academy
Complete learning modules and earn CPD hours with certificates
NI Calculator
Compare employed vs self-employed National Insurance contributions
Compliance Logic Dashboard
Run live formulas and lookup logic in an approval-friendly audit view for QA and sign-off
Marketing Studio
Download branded sales aids, generate client reports, and order marketing posters
Downloadable Tools
Excel calculators for business protection, personal cover, and pension planning
Brain Training Centre
Cognitive exercises: mental math, memory span, N-Back, word puzzles - all with protection themes
AI-Powered Tools
Cartoon Editor
Use AI to modify cartoon elements and create custom marketing materials for the Guardian 1821 campaign
Client Docstore Autofill
Upload client documents and auto-fill compliance flows/forms with AI-assisted extraction
Experimental Adviser Tools
Occupation Classification Comparator
Compare how every insurer classifies the same job — and what it means for IP claims
Wellness Lifestyle Tracker
Track sleep, nutrition, mood, fitness, hydration, and meditation with progressive onboarding
Financial Protection Planner
Live insurance risk profile, policy and claims tracking, and savings tips for planning and protection
Industry News Aggregator
Live UK insurance RSS/Atom feed stream for regulation, trade press, and professional bodies
Client Primer Pack Builder
Build selective educational topic packs with quizzes/forms and send progressive completion links to clients
Claims Performance Dashboard
Compare every UK insurer's claims pay-out rates, total amounts paid, and support services side by side
Claim Readiness Checker
Check what documents you need for a claim and get a readiness score - by insurer and product type
Benefits Cliff-Edge Simulator
See exactly when your income stops and state benefits run out - week by week with protection overlay
Premium Intelligence Engine
Market premium analysis with competitor comparison, trend monitoring, and Guardian pricing position intelligence
Protection Passport
Single-page household protection summary across all insurers, employer benefits, and state entitlements with gap analysis
Business Protection Suite
Key person, shareholder, partnership, and relevant life calculations with Companies House lookup and tax relief analysis
Condition Journey Mapper
Financial journey mapping for top CI/IP conditions — from diagnosis to recovery with NHS pathway data and survival statistics
Protection Debt Index
Quantified protection gap metric showing the shortfall between what UK households need and what they have — by region and demographic
Bereavement Admin Navigator
Step-by-step interactive guide for what to do when someone dies — insurance claims, government admin, and practical tasks
CI Definitions Comparator
Cross-insurer critical illness definition comparison weighted by medical incidence — see which insurer defines each condition best
Product Interaction Mapper
Visual matrix showing how insurance products interact with each other and state benefits — find gaps, overlaps, and conflicts
Employer Benefits Lookup
Database of UK employer sick pay policies — public sector and private sector averages — showing the gap IP would fill
All-Insurer Trust Finder
Cross-insurer trust comparison tool — which trusts are available from each insurer and which is best for your client scenario
Protection Gap Map
Interactive UK map showing protection underinsurance by region — combining earnings, property prices, and insurance penetration data
Regulatory Impact Briefer
Monitor FCA, HMRC, and DWP changes relevant to protection — each with adviser impact assessment and action items
Protection Market Dashboard
UK protection market statistics, insurer rankings, premium trends, claims data, and protection gap analysis
Protection Knowledge Base
Searchable encyclopaedia of products, tax rules, glossary terms, and FAQs — the protection Wikipedia for advisers
Pricing Intelligence Report
Consolidated pricing analysis with competitor benchmarking, market positioning, and strategic pricing insights