Guardian 1821

Adviser Toolkit: Financial Protection Planner

Protection-focused tools for clients and advisers. Live risk profiling for life cover, critical illness, and income protection with savings intelligence. Built to streamline client-adviser-insurer workflows from data capture to policy review.

Portal: https://adviser.guardian1821.co.uk/ | Support: adviser-support@guardian1821.co.uk

White Label: Financial Tool

Brand name

App name

Support email

Portal URL

Tagline

Logo URL (optional)

Primary color

Accent color

Overall risk

Affordability buffer

£485

Emergency reserve

2.4m

Target 4m

Data completeness

82%

Potential monthly savings

£192

Live Insurance Risk Profile

Directly applicable to Guardian adviser discussions for life cover, critical illness, and income protection.

Recommended review cadence

quarterly

Affordability risk

Protection-gap risk

Savings risk

Claims readiness risk

Financial Inputs & Coverage Mapping

Client name

Age

Employment type

Cashflow

Monthly net income (£)

Essential outgoings (£)

Lifestyle outgoings (£)

Debt repayments (£)

Savings & Liabilities

Emergency fund (£)

Monthly savings contribution (£)

Mortgage balance (£)

Unsecured debt (£)

Protection Coverage

Life cover amount (£)

Critical illness cover (£)

Income protection benefit (£/month)

Deferred period (weeks)

Premiums & Context

Total monthly premium (£)

Dependants

Coverage gaps (live)

Life gap: £145,400

CI gap: £0

IP gap: £1,350/mo

Health & Underwriting Context

Smoking status

Occupation risk band

Pre-existing conditions count

Sick days in last 12 months

Permissions & Planning Readiness

Client has will in placeClient has trust arrangement in placeConsent to share data with adviser servicing workflowConsent to share data with insurer admin/claims workflow

Budgeting consistency (1-10): 6

Financial confidence (1-10): 6

Savings Tips Engine (MSE-style + Insurance-focused)

Trim Eating out / takeaways spend

Target a realistic 28% reduction for this category over the next 30 days.

High recurring spend category identified from your data.

Est. saving

£50/mo

behaviour

Automate savings day-after-payday

Set automatic transfer to emergency reserve and short-term goals before discretionary spending.

Savings contribution is below resilient level.

Est. saving

£50/mo

banking

Trim Commuting & fuel spend

Target a realistic 18% reduction for this category over the next 30 days.

High recurring spend category identified from your data.

Est. saving

£38/mo

behaviour

Trim Utilities spend

Target a realistic 14% reduction for this category over the next 30 days.

High recurring spend category identified from your data.

Est. saving

£34/mo

behaviour

Set up will and trust documents

Put core estate documents in place to reduce beneficiary delays and admin friction.

Missing legal setup increases processing friction in payout scenarios.

Est. saving

£20/mo

behaviour

Policy Tracking

Policy type

Provider

Renewal date

Premium (£/mo)

No policies added yet.

Claims Tracking

Claim type

Incident date

Documents required

Documents uploaded

No claims added yet.

Partial Onboarding

Progress

Spending Leak Controls

Adviser Handover Pack

Client - Guardian 1821 Financial Protection Summary
App: Adviser Toolkit
Portal: https://adviser.guardian1821.co.uk/
Support: adviser-support@guardian1821.co.uk
Overall live risk profile: 52/100 (moderate)
Affordability risk: 55/100
Protection-gap risk: 47/100
Savings risk: 65/100
Claims-readiness risk: 42/100
Health/occupation profile: non-smoker, occupation medium, conditions 0, sick days 2
Legacy and permissions: will no, trust no, adviser consent yes, insurer consent yes
Coverage gaps -> Life: £145,400, CI: £0, IP: £1,350/mo
Emergency reserve: 2.4 months (target 4)
Onboarding completeness: 0% | Data completeness: 82%
Top action: Close life cover gap of £145,400.
Top savings tip: Trim Eating out / takeaways spend (~£50/mo)
Review cadence: quarterly

Ready to copy

Use outputs as planning support only. Final recommendations and suitability remain adviser-led.

Risk & Affordability Trend

Log snapshots to build risk trends over time.

Priority Actions

Action queue

1.Close life cover gap of £145,400.
2.Increase income protection by £1,350/month.
3.Build emergency reserve from 2.4 to 4 months.
4.Implement top savings tip: Trim Eating out / takeaways spend.

Adviser notes

1.Overall risk profile 52/100 with quarterly review cadence.
2.Affordability buffer is £485 per month.
3.No policy currently flagged for urgent review.
4.Savings rate below target; discuss automated contribution increases.