PARADIGM PROTECTION NEWSLETTER SUMMER 2023 www.paradigm.co.uk/protection
CONTENTS 4 Protection Market Update Paradigm Protect Mike Allison 8 Income Protection Task Force Lets talk... Income Protection 11 Paradigm Q&A with Senior Relationship Manager, Neil Jackson 12 Assured Futures Q&A with Commercial Director, Ian Sawyer 16 Paradigm Can we help support your CPD requirements? Riona Mulherin 18 Paradigm Consulting Consumer Duty Update Graeme Stewart
FOR ADVISERS ONLY We pay out if illness or injury prevents your client from doing their specific job, not just their occupation. It’s a small difference in definition that provides greater certainty of a payout. For more information visit: adviser.guardian1821.co.uk OUR NEW INCOME PROTECTION IS JUST THE JOB Don’t settle for own occupation. XXXXXXXXXXXXX Guardian Financial Services Limited is an appointed representative of Scottish Friendly Assurance Society Limited. All products are provided by Scottish Friendly. Guardian Financial Services Limited is an appointed representative of Scottish Friendly Assurance Society Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Registered office: Galbraith House, 16 Blythswood Square, Glasgow G2 4HJ. Registration number 110002. Guardian Financial Services Limited is registered in England and Wales under number 11115769. Registered office: 11 Strand, London WC2N 5HR.
Welcome to the Summer Protection Newsletter I am pleased to say that from Paradigm’s perspective there are a number of positives to come from Q1 2023 in terms of protection sales and we are trading in line with expectations in Q2 which is positive news. The same cannot be said for the mortgage market, with which protection is inextricably linked, unfortunately. If you have not already done so, you may find it useful to also read our latest mortgage newsletter here. From a period of optimism in Q1, compared to forecasts at the end of 2022, we have now appeared to hit another barrier with the uncertainty over interest rates linked to inflation and the subsequent pulling of rates by Lenders with often very little notice causing a number of issues for all mortgage advisers. I know the distribution industry as a whole is trying to work with Lenders to move to more consistency of timescales prior to rates being pulled, but market forces will not make this as easy as it would seem. I have written before in this newsletter that in the mortgage crash of 2007, many advisers ‘fled’ to the protection space, however the circumstances then and now are totally different. There was no liquidity in the intermediary mortgage space at the time and protection sales grew as there was simply no other financial services activities to undertake. Every mortgage adviser operating in today’s space knows that this is not the case now – there is plenty of potential activity and a drain on resource is evident on a daily basis with the time it is taking to fit a product to a client, only to see it disappear and instigate the beginning of a very labour-intensive cycle yet again. I think therefore that it is pretty crass to state that “Protection saels will rise if the mortgage market drops off” in today’s environment; indeed given the workload on many intermediaries, the case may be the absolute opposite and we could see a fall from those not employing protection “specialists” within their business due to the lack of available time. SwissRe statistics for 2022 In this edition, we are always pleased to give the Swiss e overview of the market which usually arrives in late May or June in respect of the previous year. It gives an indication on the state of the market for that year and some insights in to trends. Without trying to bombard you with statistics, the main highlights to arise from the report - based on policy numbers – are as follows: • In 2022, 2,114,559 new term assurance, whole life, critical illness (CI) and income protection (IP) policies were sold, a decrease of 7.8% from 2021 • Price competition for life cover continued into 2022, meaning the average of the cheapest 5 products, excluding low start plans, for a basket of cases was 2% lower in December 2022 compared with January 2022 • Market pricing for CI cover has been getting marginally more expensive, increasing by 0.5% over the same period Mike Allison Director of Protection Paradigm Protect Protection Market Update 04 SUMMER PROTECT NEWSLETTER
• In respect of Term and CI last year we saw new business numbers fall by 5.9% and 5.5% respectively • In terms of IP new sales improved by 2% compared to 2021 • The average sum assured for all new term assurance sales, including term assurance with a CI benefit was £177,665 (an increase of 9.4% on the previous year) • The average premium for all new term assurance sales, including term assurance with a CI benefit was £371 (£359 in 2021) • In relation to Business Protection, there was a 15% increase in average new sums assured for level term key person policies in 2022 • The average sums assured were £694,403 up from £602,782 in 2021 and £540,563 in 2020 • Average new sums assured for level term key person policies with a CI benefit decreased by 2% to £290,205 (£297,636 in 2021 and £239,008 in 2020) • New IP policies used for business protection purposes were reported as 1,629. This increased from 1,354 in 2021 and from 1,194 in 2020 • Total premiums in Business Protection stood at £1,685,879 vs £1,366,081 in 2021 • Average premium of £1,035 per policy, almost 3x the average non-business Premium So, enough of reflecting on what happened last year, and let’s look at where we are heading in 2023 from an opportunity perspective. It’s pretty rare that anything I write nowadays gets to 600+ words without mentioning those three little words… The Consumer Duty. However when we look at opportunities for the remainder of 2023 and beyond, we cannot ignore what many believe is the biggest change to mortgage and protection regulation since ”M Day”. From our discussions, many DA firms are still coming to terms with the requirements and what they mean in practice, in essence “what does it mean for me?”. I will not go on a long diatribe here about the rights and wrong of the Consumer Duty implementation and the additional burden placed on firms in order to comply, however, please don’t ignore it whatever you do! As ever, these changes can be seen quite rightly as a carrot as opposed to a stick. There are clear examples of what is required to “avoid foreseeable harm” in every sector of the protection space whether it be mortgage, business or wealth related. Whilst I don’t expect the FCA to be ‘hunting’ for examples of non-compliance with the Duty on 1st August the day after the implantation deadline, we are already seeing instances of plans being required to adhere with every new application. In stark terms, it is unlikely that the FCA will spend over 50% of their annual budget on implementing the Duty and then not worry about it’s impact. I would just make the point that it will be important to be Consumer Duty “fit” in every area of your businesses as we move out of “implementation” phase and into the “reporting” phase. For those of you who may not have had the time to review the Paradigm Consumer Duty Hub yet, I would urge you to click here to at least try to gauge if you are on track. 05 SUMMER PROTECT NEWSLETTER Continued on next page...
My final word on this for this edition is to ensure that you are adhering in all product areas – “avoiding foreseeable harm” by advising clients on the risks of not taking out household insurance with a mortgage is just as relevant as it is with any other product area. And of course, if you don’t sell it yourself, at least signpost it and make sure it’s in your plan to do so! Cost of Living Crisis Many Insurers are producing some really good quality support material to help highlight the need for IP products given the Cost of Living crisis. A couple of recent examples include: The LV Financial resilience survey which showed: • 45% of those without a Protection Policy are not confident they can financially cope if they fall ill • 23% of workers would struggle to pay household bills for 2 months if they were unable to work • 31% have up to £5,000 worth of debt say their partner also relies on their income, and they need both incomes to cover their monthly outgoings • 50% of UK mortgage holders do not hold an IP policy, but 28% say they would like to. The other quality source of material, not surprisingly linked to a bank, is the HSBC “Always on” campaign, with access to a wealth of material to support clients (whether they be customers of HSBC or not). Click here to view these. In highlighting these sources of highly valuable information and practical support this clearly shows how you are supporting your customers through difficult times. Perhaps you can think of a simple link from your own website or as part of your regular mailings to clients? Claims Stats There is currently a lot of noise in the industry to highlight the claims statistics from 2022, which are pretty impressive whichever Provider you look at. In the 2022 AMI Protection Survey, consumers clearly do have concerns about the industry’s ability to pay out claims. All of the material produced will clearly help to break down those barriers and hopefully blast the misconceptions clouded by PPI and banking products which still taint our core product ranges. We are trying to get Providers to highlight where possible those claims which were not paid out, to help consumers understand the importance of getting underwriting right at the outset to reduce the chance of a claim being declined, in the hope we can move to a 100% claim payment rate in the future. From a Paradigm Protect perspective, we continue to offer what we believe to be the most comprehensive DA protection and general insurance proposition available, including core products as well as the new PMI panel introduced earlier this year. We are already seeing increasing numbers of PMI sales, clearly from those customers increasingly concerned about access to treatment. Please think about the offering in conversations with clients and continue to look out for our events, where PMI and our highly successful Group Risk offering will appear in H2 of 2023, in addition to core product ranges such as Life, CI, IP and GI. Please click here to see upcoming events and register. It only remains for me to wish you all a safe and pleasant Summer, and to thank you for your continued support of Paradigm Protect. As always, if there is anything we can do to help you in the protection space, whether that is writing more business or referring them to our trusted signposting partner who features in this issue, please get in touch on 0330 053 6061 (option 3) or email [email protected]. 06 SUMMER PROTECT NEWSLETTER
In the era of Consumer Duty, what matters most to clients when buying protection? Consumer Duty creates a real opportunity for advisers to better meet client needs and improve client outcomes. But when it comes to providing your clients with fair value, what are the factors that matter most to people today? We’ve recently conducted research to nd out what people are really looking for when it comes to fair value, and the results show that price might not be the most important aspect. Click here to download our report and nd out how advisers like you are a crucial part of helping people navigate their protection options – and what it is people are really looking for. If you’d like to speak to us about our policies, please email [email protected], or call us on 0800 917 0100. Want to know more? e new meaning of value MetLife Europe d.a.c. is a private company limited by shares and is registered in Ireland under company number 415123. Registered office at 20 on Hatch, Lower Hatch Street, Dublin 2, Ireland. UK branch office at Invicta House, Trafalgar Pl, Brighton, Brighton and Hove, Brighton BN1 4FR. Branch registration number: BR008866. MetLife Europe d.a.c. (trading as MetLife) is authorised and regulated by Central Bank of Ireland. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website. COMP3065.1.May23
By Jo Miller, Co-Chair Income Protection Task Force Back in 2021 in the lead up to the first Income Protection Awareness Week, IPTF started using the hashtag #LetsTalkIP and now, in the run up to the third annual awareness week, you’ll still find us using it in our social posts. Why? Well, the reason is simple – we still need to talk about income protection. Thankfully, two years later we still have plenty to say from who should be buying income protection, to how advisers can have effective meetings, to overcoming common objections and keeping in contact with clients to review their policies and remind them of the value of their cover. Income Protection Awareness Week (or IPAW as we shall refer to it from now on) was born out of a need to turn IP sales around from a low starting point and although the latest indicators suggest IP sales are heading in the right direction, the starting point was so low that IPAW is here to stay. IPTF believe that income is the foundation of any kind of financial planning. It is the basis on which all other plans are made and as such it needs to be prioritised within client conversations. Advisers should realise that their advice will inform and enable clients to reach their financial goals with as much certainty as possible. Advising clients about protection, and income protection specifically, is not about selling a product, it’s about allowing your client to make an informed decision to reach their financial goals. Adviser mindset is key in ensuring that clients value advice and the cover they take out and this will be a key focus for IPAW this year. Now more than ever, a focus on value and not price is key, and we hope that the sessions we have planned for IPAW will help increase advisers’ knowledge and confidence in the role that they play in improving their client’s financial resilience. The sessions across the week of #IPAW2023 are relevant for all advisers, including wealth advisers, mortgage advisers and protection specialists. All clients and potential clients will have the cost-of-living crisis and rising prices on their mind but there is a real need to focus on the financial objective and value of protection rather focus on price and race to the cheapest option. While there are benefits to both the adviser and the client of working this way, consumer duty provides yet another incentive to make robust recommendations to clients. It really is time to talk about income protection. IPAW2023 will look at every aspect of the adviser role and offer useful content, hints and tips and sharing of best practice from advisers with lived experience. Expect thought provoking statistics and facts, useful checklists, role play and as much interaction as we can manage all aimed at increasing the skills and confidence of advisers at any stage of their career. So it’s clear that there is a real need to keep talking about income protection, to keep using our hashtag and to keep holding IPAW each year. Aside from the need, at the IPTF we have thoroughly enjoyed producing IPAW over the last couple of years. From a somewhat homemade production the first year to a much more professional effort in 2022, we can’t wait to share our plans with you. One of the biggest highlights from IPAW in the last two years has been the way that it has united the industry and elevated the noise around IP. Sharing conversations with people who embrace the content and learning we are offering enough to change their way of working and see the results is hugely rewarding and see IP sales heading in the right direction is the reason we’ll keep doing what we’re doing. #LetsALWAYSTalkIP 08 SUMMER PROTECT NEWSLETTER Lets talk... Income Protection
Heart Attack BMI Mental Health Crohn's Disease Heart Bypass Diabetes Cancer Multiple Sclerosis Have a query? Contact us! [email protected] 0330 035 6061 Our Protection Helpdesk team are available to support you when you have a client with complex requirements looking for cover. Examples of areas they can help with include..... The proof is in the pudding... 165M/60KG Diagnosed 8 years ago Check-ups every 6 months to monitor condition No permanent liver damage No medications prescribed "Simone" 31 - Non Smoker Seeking Life & Critical Illness Cover Chronic Hepatitis B Case 177M/83KG Diagnosed 11 years ago Precribed a medication to treat his Parkinsons "Michael" 70 - Non Smoker Seeking Life Cover Parkinson's Disease Case Our Protection Helpdesk found providers that will consider cover for the client *Subject to meeting different conditions for each provider including age restrictions, causes, severity and full details of the disease Our Protection Helpdesk found providers that will consider cover for the client *Subject to GP and Serology Reports TWO SEVEN
What made you come into financial services? Was it an ambition? My Dad was a Chartered Accountant, but I wasn’t that clever. However, like him, a job wearing a suit for work appealed, so I thought, Banks, Building Societies or Insurance Companies. I started at the Head Office of Wolverhampton & Mercia Building Society (after various mergers they became Birmingham Midshires) as a Management Trainee and progressed to Assistant Manager looking after 8 branches and developing local Solicitor, Accountant and Broker relationships. After 9 years I joined L&G as a local ‘Inspector’ (BDM in today’s language), and the rest is history! What made you join Paradigm? Bob Hunt and Paul Hogarth are both inspirational leaders and Paradigm is a terrific business focused on supporting intermediaries, a sector I am very familiar with. I recognised Paradigm as a growing innovative business with an exciting future ahead that I wanted to be a part of. Give us an overview of your role at Paradigm? To develop and maintain mutually profitable, ongoing, interdependent business relationships, be that with existing Paradigm members or brand-new ones. What’s Paradigm’s strength and your favourite things about working here? We’re big enough to compete with any distributor in the UK, but we’re small enough to be personal. Many advisers mention they like being part of the Paradigm ‘family’! My Q&A with Senior Relationship Manager, Neil Jackson 11 SUMMER PROTECTION NEWSLETTER favourite things are the people I work with and my role. How long have you worked in the industry? Since September 1978 – I'll let you do the math! What has been the biggest challenge the industry has faced? There will always be challenges; the industry is and will continue to be incredibly resilient, whatever’s thrown at it, whether that be regulatory changes or another pandemic! What one thing are you really good at? Supporting my colleagues (I hope they agree!). However, I have been known to host a few ‘rockin’ music quizzes in the past 30 years, but don’t ask me too much about the 21st century, I’m struggling! Have you any pets? Not now, our Burman cat Harry died last year, he was irreplaceable. If you could encourage advisers to do one thing what would that be? Embrace the technology available as much as possible. It helps create significant efficiencies and maintains and nurtures ongoing client relationships, a key aspect of Consumer Duty. What do you most enjoy about our industry? Being such an integral and important part of the UK Economy. Whatever the economic conditions, the industry has solutions that protects families and businesses and helps them achieve their goals and aspirations. What is the best advice you have received? “Honesty, integrity and respect. Don’t burn your bridges… and you won’t go far wrong”. As always, please don't hesitate to get in touch either by email or on 07825 270488. Neil Jackson Senior Relationship Manager Paradigm
Our Director of Protection, Mike Allison recently sat down with Ian Sawyer, Commercial Director at Assured Futures, our trusted signposting partner to find out more about their business, how this can fit into a firm’s existing processes, as well as how important this is in meeting Consumer Duty requirements Ian, can you start by telling us a little bit about Assured Futures? Well, Assured Futures is the UK’s first and longest established protection only broker, established over 25 years ago in 1995. We have 130 staff, based in Cheltenham and specialise in all types of protection including Life insurance, Private Medical Insurance, Mortgage Payment Protection (ASU) and IHT Planning. We like to think that we are at least one of the best in the business, and this is backed up by having a Trustpilot 4.9 score from our clients and being recommended by Martin Lewis, the money saving expert. What does the phrase signposting mean to you? It's about getting your client in front of the best, available person, to help your client get protected. We all know that these days, most advisers specialise in a product or service, Mortgages or Wealth or Pensions rather than be a generalist one-stop shop. With all the compliance, lengthy underwriting requirements and ever-expanding illness definitions, it’s no wonder there's little time for a mortgage or wealth adviser to focus 12 SUMMER PROTECTION NEWSLETTER on the basics of protection, let alone finding the time to explore their needs for Unemployment cover and private medical insurance – both of which there is huge demand for currently. How has Consumer Duty changed things for the consumer? Big time! Although too many advisers have not woken up to this fact yet, I'm sure come July, it will dawn on them. In short, you now MUST ensure you advise and protect your clients from foreseeable harm. How can you arrange a mortgage (a client’s largest financial commitment), and not 'foresee' that they could suffer an accident, serious illness or redundancy and home insurance? Every mortgage should have protection around it; that is the expectation of the FCA. Is signposting easy? Dead easy! Simply, fill out a simple form online here and we'll take care of the rest. Of course, you don't have to refer to us, you could form a relationship with someone local to you. The advantage of a business like ours is that we have staff who are usually always available, you can book a time to call your client or send it straight in and we aim to call the client within 7 minutes. The most important thing is that advisers get in the habit of, and build a process to ensure they are advising their mortgage clients how important it is to protect the asset, the mortgage and their loved ones, from
financial harm. The adviser can then advise that a specialist adviser will be in touch, they can add the same to their client letters and fill in the form to refer the client across. This all takes just a couple of minutes. We also have a no cross sale guarantee which might alleviate any concerns you have about referring to a more local adviser. Anything else to add….? Yes, this is profitable too! We share 33% of all the indemnified upfront commission which can be hundreds of pounds. It must be almost cheaper to refer than actually write new business, so: 1. It’s the right thing to do for your client 2. You have a regulatory responsibility to do this under the Consumer Duty 3. You have a commercial opportunity that can help drive revenue and really add value to your client offering. What’s not to like? We’d be delighted to hear from you! If you would like to find out more, or to refer a client:, please get in touch using the details below: • Email • 0808 196 8837 • Or visit their page on our website 13 SUMMER PROTECTION NEWSLETTER
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Many of you will be very familiar with our award-winning CPD Academy, and our Test Zone that sits within this. In fact, we have over 3,000 individuals registered to use the Academy now, and those users have recorded over 48,000 hours of CPD – that’s almost five and a half years’ worth! For those of you who don’t know, the Academy is free to use and allows you to access a vast range of CPD activities to complete, as well as then record these and keep track of where you are up to at any given point in the year. You can also record any other CPD completed outside of the Academy easily as well. We know that there are similar services available in the market at a cost, if you are currently paying to access this service elsewhere, why not try accessing the CPD Academy for free to see how it compares and whether you could make a saving for your business? There are hundreds of activities available on the Academy, catering to all different types of advisers including mortgage and protection brokers, IFAs and wealth management firms. The topics covered include: • Mortgages • Pensions • Investments • Protection and General Insurance • Taxation and trusts • Financial planning We have also recently added an ‘ESG’ badge which allows you to identify content which is relevant to those looking to increase their understanding of this important framework and perhaps how you can make positive changes within your business. In addition to the CPD Academy, we also offer a paid-for Test Zone which sits within the Academy. We launched this area in September 2020, in response to the requirements for advisers to be certificated as ‘fit and proper’ to perform their role. The Test Zone now contains 14 tests that can be used to demonstrate competence in the following areas: • Anti-Bribery and Whistleblowing • Anti-Money Laundering - Module 1 • Anti-Money Laundering Module 2 - Duties of the MLRO • Certification • Code of Conduct (COCON) • Complaints Handling • Conflicts of Interest • GDPR: Understanding your obligations - Module 1 • GDPR: Understanding your obligations - Module 2 • General Insurance - Product Knowledge Test • Mortgage Fraud • Protection - Product Knowledge Test • Senior Manager & Certification Regime (SM&CR) • Vulnerable Clients This has become a core element of many firms’ training and competence plans, and over 11,000 tests have been passed since we launched! If you’re interested and would like to find out more, or to arrange licences, please get in touch with your dedicated Relationship Manager. You can click here to find who your Relationship Can we help support your CPD requirements? 16 SUMMER PROTECTION NEWSLETTER Riona Mulherin Director of Marketing & Operations Paradigm
17 SUMMER PROTECTION NEWSLETTER Manager is, or request a call back here. We’re continually reviewing and enhancing the Test Zone, and three of the tests previously listed have been added this year alone. Our newest additions to the area include both Protection and General Insurance tests, which are product area tests. We know that some firms will be reviewing the products that they offer ahead of the new Consumer Duty rules, and these product specific tests will help demonstrate your knowledge around protection and general insurance products. At Paradigm, we are committed to making the process of obtaining CPD and furthering your understanding of the market, products and supporting your customers, as easy as possible. In addition to the CPD Academy and Test Zone, we also continue to offer over 60 CPD events per year, across webinars and face to face sessions – click here to view these. I would encourage anybody who is not yet utilising these services to take a look, get in touch and see how these services can support your business. If you have any questions or feedback, or ideas about new ways for us to help you deliver on meeting your CPD requirements, I’d be delighted to hear from you. Send me an email on [email protected]! COMPLETE YOUR ANNUAL TRAINING Anti-Money Laundering Mortgage Fraud Vulnerable Cl ients Complaints Handl ing GDPR Obligations Anti-Bribery & Whistleblowing Senior Manager & Certification Regime (SM&CR) SM&CR Certification Code of Conduct Conflicts of Interest General Insurance [email protected] 0330 053 6061 (option 6) Find out more here or get in touch: Allows advisers to regularly test their knowledge and understanding of key areas of risk Helps firms meet their annual training requirements Paradigm's Test Zone on our award-winning CPD Academy: Our tests can be used to help demonstrate and certify that advisers are ‘fit and proper’ to perform their role. You can now take tests on the following subjects: Protection
18 SUMMER PROTECTION NEWSLETTER The Consumer Duty start date is now only just over 1 month away. Over the past 18 months, Paradigm has been communicating information and guidance and creating support material to help you be ready for this important milestone. With only 1 month now remaining, this update is a reminder of all of the support currently available, all of which has been designed with you in mind. Face to Face Support For the past 12 months, Paradigm Consulting have been busy assisting firms with implementation plans and are now assisting firms with their final preparations. Their time is in great demand and we only have a limited number of days remaining which are available to book for firms who subscribe to our compliance services. If you require hands-on, face to face bespoke assistance, then please contact enquiries@ paradigm.co.uk as soon as possible to arrange an appointment. If you are not yet a member of Paradigm Consulting, please request a call back from your dedicated Relationship Manager here. Events Join us at our upcoming events where the focus will be on Consumer Duty. We host Graeme Stewart Head of Consultancy Paradigm Consulting events face to face and virtually, all of which are designed for Wealth, Mortgage and Protection firms. You can view and register for our full range of events here. Online Support We have created a range of online support material that you can easily access, including: Consumer Duty Hub An area dedicated to all things Consumer Duty. In this on-line zone you will find commentary, guidance and support material covering all aspects of Consumer Duty, including Implementation Plans, Fair Value Assessments, Vulnerable Customers and support for Senior Managers. Paradigm ‘On-Film’ Consumer Duty Series You can access our series of dedicated Consumer Duty ‘On-Film’ Videos from this area. The videos are presented by Graeme Stewart (Head of Consultancy), Richard Howes (Director of Mortgages) and Mike Allison (Director of Protection) and provide practical examples of how a firm can comply with all the different areas of Consumer Duty. Paradigm’s CPD Academy and Test Zone With over 47,500 hours’ worth of CPD having already been recorded (that’s over 5 years!), our CPD Academy is a great place for Consumer Duty learning. The Academy has a range of Consumer Duty material available to view. In the near future, we will also be launching a Consumer Duty test on our Test Zone. If you’d like to know more about this, please don’t hesitate to get in touch. FVA Assessments Hub The 30th April deadline has now passed. To Consumer Duty Update
19 SUMMER PROTECTION NEWSLETTER help firms access the Fair Value Assessments (FVA) and Target Market Assessments issued by Paradigm’s strategic partners, we have created a central hub from where you can easily tap into this important material. Consumer Duty eBook Looking for an overview of Consumer Duty and what it is all about? Our eBook dedicated to Consumer Duty is a great way of gaining a quick overview, with commentary from leading industry figures. Supporting you In addition to all of the above that is provided for free to Paradigm Protect members, as a Paradigm Consulting member, you can also access a full suite of Consumer Duty support material, FAQs, Compliance Updates, Newsletters and Technical Guides via our Member’s Area on the website alongside comprehensive support from their Consultants. If you would like more information on the support available, please call 0161 486 4891. 28th June 4th July 6th July 10th July 11th July 13th July 24th Aug 6th Sept 7th Sept 12th Sept 19th Sept 28th Sept 3rd Oct 5th October Essential Skills (99+VAT) Best Practice Event * London Mortgage & Protection Exclusive Adviser & Landlord Leeds Breakfast Briefing with Octopus Economic Abuse Webinar Dunblane Mortgage & Protection Paradigm Protect Webinar Online Breakfast Briefing Leeds Mortgage & Protection Best Practice Event * Supervisor Course (£650+VAT) Surrey/Cobham M&P Buy to Let Webinar UPCOMING EVENTS Throughout the year, we are continuing to host a wide range of events which will help you to gain an understanding on important topics, hear relevant market and product information and meet your CPD requirements. Each event is carefully planned and organised to deliver maximum value in a concise and efficient manner. We’d be delighted to see you at an event soon! CLICK HERE TO REGISTER
www.paradigm.co.uk/protection/ 0330 053 6061 [email protected]
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