Friends Life A new model protection provider.
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1 For advisers only. Not for use with customers. Friends Life A new model protection provider. Pensions Investments Insurance
2 Launching from a position of strength At Friends Life we have combined strong and respected protection providers to present a class leading company. Friends Life protection brings together the best of the best in terms of propositions and people and will set us apart from the competition. 2
3 We launch from a position of strength with 5 million customers. Friends Life s scale will help us to drive efficiency and provide value propositions for new and existing business partners and clients. Even though we are a new name, our heritage takes us back over 200 years. This experience helps us make shrewd decisions and shape things just that little bit differently and fit for a modern market. 3
4 Great propositions, one company At Friends Life we believe that as a protection provider we should deliver a full proposition covering product range, application routes and value added services expected from a market leader. Proposition Application route Friends Life Protection Account Dynamic* Teleunderwriting* Paper* Offline/ E-Connected* Classic* Critical Illness Cover (CIC) Yes Yes Yes Yes Yes Income Protection Yes Yes Yes Yes Yes Life Cover Yes Yes Yes Yes Yes Life or Earlier CIC Yes Yes Yes Yes Yes Business Protection Yes Yes Yes Yes Yes Friends Provident product range eselect * Teleunderwriting* Paper* Offline* PAC* Income Protection Yes Yes (Little t) Yes Yes Life or Earlier CIC Yes Yes Yes Life Cover Yes Yes Yes Business Protection Yes Yes Executive Income Protection Yes * see below definitions: Dynamic intuitive underwriting system Classic electronic data capture and submission route Tele-Underwriting full UK in-house service E-connected - access to all protection account application routes offline. eselect pioneering instant online underwriting system Product Application Component (PAC) - industry term for electronic data capture and submission 4
5 Same great Protection Account, now from Friends Life The Friends Life Protection Account offers one of the most comprehensive protection menu propositions for personal and business use. This extensive range of products can be mixed and matched to meet customers needs. Our market leading Critical Illness Cover with 10 ABI+ definitions is just one of the compelling reasons to talk about the Friends Life Protection Account. Total Mastectomy Cover, low-grade Prostate Cancer Cover, major heart surgery, Accident Hospitalisation Cover and the recently upgraded Children s Cover are just some of the additional Protection Account benefits that really stand out in the marketplace. Our newly added Care Consultants service comes as standard and offers a unique package of specialist medical services at no extra cost. 5
6 Friends Provident product range, now from Friends Life Friends Provident protection products are now available through Friends Life. This product range includes award winning Income Protection Cover and also, Life Cover, Life or Earlier CIC and Business Protection. Friends Provident Income Protection is recognised as one of the market leaders, offering a number of benefits. These include Worldwide Cover, Hospitalisation Benefit, Rehabilitation Benefit and an Increasable Insurance Option. For doctors we provide the NHS Doctors Sick Pay Initiative; demonstrating real understanding of individual clients needs. We are also one of the only providers to offer Pension Contribution Protection Benefit (PCPB). This helps customers to protect their pension contributions if they are off work through accident or illness something which may not always be at the front of customers minds. You can find out more about Friends Life Protection by visiting 6
7 Making it easier to do business To make it as easy as possible to place business with us we are available on all the major industry quote systems or through our extranet. When it comes to applying we provide a number of application routes to suit. Offline, online and tele-underwriting each offers an approach which provides flexibility and choice. Accessing the Friends Provident Product Range eselect is an intuitive online underwriting system that puts you in control. With eselect your clients can be on risk straight away, and you can receive the commission payment the next day. A dedicated helpline is available to guide you through more complex applications. eselect is the only online system to allow signature free trusts. You can also submit applications through the paper and PAC routes. Accessing the Friends Life Protection Account The Friends Life Protection Account provides a selection of application routes online and offline. We provide support, which ever route is chosen, to ensure the right level of disclosure is given at the right time. In addition, we provide a dedicated helpline offering application guidance. Tele-underwriting The Protection Account was the first proposition to introduce full in-house UK tele-underwriting. Using this route Friends Life will take responsibility for asking the health and lifestyle questions, meaning there is less responsibility on you for collecting this information. It also provides a real time saving benefit and 75% of clients are ready to go on risk within five days. The Protection Account can also be accessed through Dynamic, Classic and paper. 7
8 8
9 An individual approach to underwriting and claims At Friends Life we recognise how important our underwriting philosophy and claims experience are in providing the confidence needed to recommend us. Across both the Protection Account and Friends Provident product range, the style of our underwriting and claims handling adopts a personal approach rather than a one size fits all. Our experienced and professional underwriting teams include a panel of medical consultants so that we can really understand the individual risk and offer the best terms. You will find that underwriting rules and questions may vary across the propositions, but our philosophy is similar. To help understand our philosophy and these differences, we provide access to highly qualified underwriters, both on the phone and in the field, to provide expert support when required. When recommending a provider, the way claims are handled is obviously an important factor. At Friends Life, we re very proud of the service we provide at this difficult time for your clients. Our expert claims staff will help your clients through the claims process, and they ll always be available to speak to on a dedicated claims telephone number. We ll gather all the information we need to consider the claim, and let your clients know our decision as quickly as possible. 9
10 Going above and beyond with a wide range of services At Friends Life we have designed our business to support our partners business models. Through working in partnership we offer a range of added value services such as: l Dedicated relationship managers on hand to give the support you need, when you need it. l A comprehensive range of support tools and information that helps discussions with customers about protection, including: selling tips, objection handling and understanding the sales process. l Access to Markitect - our comprehensive online marketing toolkit. It provides a range of non-branded marketing support materials, information and templates to help get the most out of marketing initiatives and campaigns. l Access to our specialist ebusiness consultants who can advise on how to develop ebusiness capabilities and grow your business. So, whether it s access to technical expertise, expert claims management, regulatory support, underwriting, prospecting or objection handling, we have a team of experts and a wealth of tools to ensure you have a successful business fit for a RDR (Retail Distribution Review) world. We will combine the strength of our reputation and experience with our forward thinking style to create a new model protection provider. To find out more speak to your Friends Life contact or visit l Access to our underwriting support, including underwriting help line and roving underwriter support. l We offer online seminars, providing you with technical, sales and marketing training, accessible 24/7. l Digital one stop shop for all your protection needs 10
11 Don t just take our word for it Award winning protection With both the Friends Life Protection Account and Friends Provident protection product range we have a combination of awards and ratings: Defaqto 5 Star Rating In 2011 we were rated 5 star by Defaqto for both Friends Provident s Income Protection and the Protection Account s Critical Illness Cover. e-excellence Rating 2010 The Finance & Technology Research Centre (F&TRC) has awarded both the Protection Account and Friends Provident in 2010 with the Triple e award for the following product areas: l Triple e Income Protection l Triple e Life Protection Gold Standard Awards 2010 Winner Protection l Triple e Critical Illness l Triple e Menu Products The Friends Provident Protection proposition has been awarded the Gold Standard Award for 8 years running. Award winning Income Protection Friends Provident won the Best Income Protection award in 2010 at Financial Adviser s Life and Pensions Awards, voted for by financial advisers and recognising providers for their product development, service and support of the IFA community. 11
12 Friends Life Services Limited distributes and administers financial products and services for Friends Life group companies and is providing information on their behalf. Details of the companies offering specific products are contained in the related material. Friends Life Services Limited is authorised and regulated by the Financial Services Authority and is a company limited by shares, registered in England No , registered office Pixham End, Dorking, Surrey RH4 1QA. Friends Life is a business name of companies in the Friends Life group of companies. PNSA
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