AI drafting for protection and mortgage advice, built for UK advisers.
NeedsIQ Adviser supports the call from pre-call notes to client decisions. NeedsIQ drafts an ICOBS-aligned D&N letter from the same case data, for adviser review and sign-off. And NeedsIQ Mortgage brings the same discipline to MCOB suitability reports, with one-click protection cross-sell. One platform, one source of truth.
No card needed. Try one NeedsIQ Adviser drafting run on a fictional sample client. Not regulated advice.
Sections
- Client summary
- Identified needs
- Existing cover
- Protection gap
- Demands & Needs statement
- Draft adviser wording
- Draft option products
- Suitability rationale
Sarah Mitchell
Generating...Generated 23/05/2026
Identified needs
Protection gap
Death
£35k
CIC
£100k
Income
£2.1k/mo
Draft adviser wording, for review
Drafting built around the standards UK protection and mortgage advisers work to
Why we built this
The advice is the easy part. The paperwork is the problem.
NeedsIQ is built by people who have spent over 15 years in the UK protection market. We know these pains because we have lived them.
The write-up outlasts the call
Every case ends in a write-up after the client hangs up, the Demands & Needs letter on a protection case or the MCOB suitability report on a mortgage. The advice takes minutes; the paperwork takes the evening.
Your fact-find and your write-up drift apart
Rebuild the suitability letter or report from memory and it stops matching the fact-find. That gap is exactly what a file check looks for.
The same client, keyed three times
Circumstances typed into the fact-find, again into the sourcing or quote tool, again into the letter. Three chances to introduce an error.
Advice is thin-margin work
On a slim protection case or a small mortgage, an hour of admin can swallow the economics. The paperwork should not cost more than the case is worth.
Half-surfaced needs make half-sized cases
When the whole protection gap is not laid out, clients leave under-insured and cases come in smaller than they should. NeedsIQ Adviser surfaces every need it can see, life, critical illness, income protection and family cover, so the conversation covers the full picture and your average case size reflects it.
Protection needs
liveProtection gap surfaced
36%
Half the need is still hidden
NeedsIQ takes the case data once and drafts the fact-find document and the suitability write-up from the same source, an ICOBS-aligned Demands & Needs letter for protection or an MCOB suitability report for a mortgage, for your review and sign-off. One source of truth, far less admin, more complete cases.
Highlights
The complete platform for protection and mortgage drafting.
Designed for UK protection and mortgage advisers to produce ICOBS-aligned Demands & Needs letters and MCOB suitability reports in seconds, ready for adviser review and sign-off.
Purpose-built for the UK
Made for protection and mortgage advice
Tuned to the frameworks UK advisers operate under, ICOBS for protection and MCOB for mortgages, with the vocabulary, products and reasoning specific to each.
Designed for simplicity
Fact-find in, draft out
Drop in the client's circumstances, hit generate, and get a complete draft for adviser review, a twelve-section Demands & Needs letter or an MCOB mortgage suitability report.
Aligned to ICOBS and MCOB
Compliance-aligned templates
Every draft is structured around the relevant sourcebook, ICOBS for protection and MCOB for mortgages, and references the four Consumer Duty outcomes. The adviser reviews, amends and signs off; final compliance rests with the regulated adviser.
Introducing NeedsIQ Adviser
The adviser companion that walks the call with you.
NeedsIQ Adviser turns a phone call into a draft compliance file. You see exactly what to ask, NeedsIQ Adviser shows you the protection gap and draft option notes for you to review, amend and sign off, and at the end you download the fact-find and the Demands & Needs draft letter together, ready for Xplan after your sign-off.
- 1Pre-call notes
- 2Fact-find
- 3NeedsIQ Adviser
- 4Decisions
- 5Sign-off
Pre-call notes
Open the case with everything the adviser already knows. NeedsIQ Adviser holds the context through the whole engagement.
Guided fact-find
Section by section questions to ask on the phone, with a verbatim script available for advisers who want exact wording.
Protection gap and draft option figures
The moment the fact-find is complete, NeedsIQ Adviser surfaces the protection gap with possible products, illustrative sums, terms and premium ranges for adviser review.
Adviser review, then quote with your provider
After you have reviewed and amended the draft figures, take what you choose to recommend into iPipeline, UnderwriteMe, SmartCart or any quote engine you already use. NeedsIQ Adviser stays alongside the case.
Decisions captured per product
Mark each product Proceeding, Declined or Deferred with a reason. The reason flows straight onto the D&N draft.
Submission pack in one click
Fact-find PDF plus D&N draft letter, derived from the same case row. Attach both to Xplan after adviser sign-off.
Drafting consistency
The fact-find and the Demands & Needs draft letter are generated from the same case row, so the two documents are internally consistent by construction. The adviser still verifies every fact and figure before sign-off.
Not regulated advice. NeedsIQ Adviser is an adviser-facing drafting assistant that surfaces the protection gap and draft option notes with illustrative figures. The regulated adviser reviews, amends, signs off and remains fully responsible for any recommendation given to the client.
Draft option analysis
NeedsIQ Adviser drafts the option analysis for you to review.
Not just "here is a gap." NeedsIQ Adviser drafts a full set of possible options, with illustrative products, sums, terms and premium ranges, plus talking-point prompts you can use on the call. You assess it, amend anything you want to, and decide what to recommend.
Maps every fact-find answer to identified needs
Income, dependants, mortgage, sick pay, existing cover and the client's stated objectives are turned into a prioritised list: Life, CIC, Income Protection, Family Income Benefit and Whole of Life, each marked Essential, Important or Optional.
Sizes the protection gap with figures
Draft death, critical illness and income gaps are calculated from the answers and the existing employer or personal cover. You see them on screen before the draft option notes appear.
Drafts an option bundle, with illustrative sums, terms and premium ranges
NeedsIQ Adviser surfaces possible products for adviser review (for example a £185,000 decreasing term over 22 years, income protection to State Pension Age, CIC deferred to next review) and estimates an illustrative monthly premium range for each, sized to the stated budget. You review, amend and decide what to recommend.
Drafts headline wording for adviser review
One paragraph in plain English draft wording you can amend before reading anything to the client, plus three to eight talking-point prompts you can adapt for the conversation.
Not regulated advice. NeedsIQ Adviser is an adviser-facing drafting assistant. The regulated adviser reviews, amends and signs off the draft, and remains fully responsible for any recommendation given to the client.
Sarah Mitchell (fictional)
Draft for reviewIdentified needs
- Life CoverEssential
- Critical Illness CoverEssential
- Income ProtectionEssential
- Family Income BenefitImportant
Protection gap
Death
£35k
CIC
£100k
Income
£2.1k/mo
Draft adviser wording, for review
NeedsIQ Adviser drafted this from the fact-find. You review, amend and sign it off.
Introducing NeedsIQ Mortgage
One client journey, from mortgage to protection.
The same drafting discipline, now for mortgages. Capture an MCOB fact-find, draft a suitability report from the lender and product you have chosen, and hand straight into a protection case, all on one platform. Live lender sourcing is on the roadmap; this is the advice workflow and the file.
- 1Pre-call notes
- 2Fact-find
- 3Recommendation
- 4Suitability report
- 5Pipeline
MCOB mortgage fact-find
Full applicant, income and affordability, property, deposit, credit history, existing borrowing and objectives, with conditional sections and joint applicants handled.
Suitability report, drafted
The MCOB counterpart to the Demands & Needs letter, drafted from the fact-find and the lender, product and rate you have chosen. An inline editor lets you amend every section before sign-off.
Submission pack in one click
The fact-find document and the suitability report as PDFs, zipped, ready to attach to your case file after sign-off.
Pipeline on the case
Track each case from enquiry through DIP, application, valuation and offer to completion, without leaving the file.
One-click protection cross-sell
A new mortgage almost always means a protection need. Start a NeedsIQ Protect case pre-filled from the mortgage fact-find in a single click.
Your firm's lender intelligence
Learns from your own recorded cases which lenders reach offer for the borrowers you write, and the profiles they tend to work for: self-employed, adverse credit, higher loan-to-value and interest-only.
Mortgage and protection in one book
The mortgage fact-find and the protection fact-find share a client, so the cross-sell starts with the work already done. One platform carries the whole relationship.
Not regulated advice. NeedsIQ Mortgage drafts an MCOB-aligned suitability report from the fact-find and the adviser's own chosen recommendation. NeedsIQ does not source products or recommend a lender. The regulated adviser chooses the lender and product, reviews, amends, signs off and remains fully responsible for the advice.
How it works
From pre-call notes to draft file ready for sign-off, in six steps.
One case, one source of truth. The fact-find and the D&N draft share the same row, so the two documents are internally consistent by construction. The adviser still reviews and signs off.
Step 01
Pre-call notes
Open a case and drop in what you already know about the client. Lead source, prior contact, any urgency, anything from the referral.
Step 02
Guided fact-find
Section by section, NeedsIQ Adviser shows you the questions to ask. Toggle the verbatim script if you want the exact words.
Step 03
Draft option analysis lands instantly
When the fact-find is complete, NeedsIQ Adviser drafts headline option wording with possible products, illustrative sums, terms and premium ranges, plus talking-point prompts for the adviser to review.
Step 04
Adviser review, then quote with your provider
Once you have reviewed and amended the draft figures, take what you choose to recommend into iPipeline, UnderwriteMe, SmartCart, or any quote engine you already use, and present the resulting provider quotes to the client.
Step 05
Capture client decisions
For each drafted product, mark Proceeding, Declined or Deferred with a reason. The reason flows onto the D&N draft letter.
Step 06
Submission pack to Xplan
Download the fact-find and Demands & Needs draft letter together. Same case, same figures. Attach both to Xplan after adviser sign-off.
Features
Everything you need to run a protection or mortgage case, from draft to sign-off.
Built around your client
Every draft section is written from the actual fact-find. No generic boilerplate, no recycled paragraphs.
Client pre-appointment questionnaire
Optionally send the client a secure link to note their details, family, budget and existing cover before their advice appointment. Their answers come back for you to review, verify and merge, so you walk in prepared. You give the advice.
Send the report to the client securely
Deliver the Demands & Needs letter or MCOB suitability report by a secure link once you have signed it off, with a delivery and read-and-acknowledged trail kept on the case file.
Firm workspace and reviewer
Buy seats for the firm, invite colleagues, and give a compliance reviewer read-only file-check and sign-off across every adviser. One house standard, overseen in one place.
One document vault per case
Attach the supporting evidence to the case, quote comparisons, ID and AML, illustrations and offers, so the whole compliant file lives in one place instead of scattered across email and folders.
Joint-life protection in one case
Run a couple as a single joint case. The Demands & Needs letter addresses both lives, including joint decreasing-term cover written alongside a mortgage.
Underwriting fit, ranked
Enter the case once and see every insurer ranked best-fit first, with the specific medical evidence each is likely to ask for before you apply.
Your firm's underwriting intelligence
Learns from your own recorded outcomes: which insurers give standard terms most often for the work you write, and how often cases are rated.
NeedsIQ Mortgage
An MCOB fact-find and a drafted suitability report from the lender and product you choose, a submission pack, a pipeline, and one-click protection cross-sell, all on one platform.
Your firm's lender intelligence
The same trick for mortgages: which lenders reach offer for the borrowers you write, and the profiles they tend to work for. Built from your own cases, not a sourcing system.
Adviser's recommendation
Trust deeds, drafted
When a policy is written in trust, a draft discretionary gift trust deed is pre-filled into the submission pack for you to check and execute.
Annual reviews and life events
Schedule annual policy reviews, and trigger a follow-up when a client marries, has a baby or moves home, so cover keeps pace with their life.
Vulnerability and file sign-off
A structured vulnerability assessment and a file check whose mechanical items are computed from the case, then signed off by your compliance reviewer.
Consumer Duty dashboard
A firm view of outcomes assessed, files signed off, the vulnerable-customer register and overdue reviews, ready to print for the board.
Per-product client decisions
Each drafted product records whether the client proceeded, declined or deferred, with a specific fact-linked reason.
Push to your CRM
A signed webhook and a CSV export feed case events into whatever CRM you already run, with a calendar feed for follow-ups. We complement your stack, not replace it.
Works with your tools
Sits inside your existing adviser stack.
Connect NeedsIQ to the systems you already use. Pro plans include standard CRM integrations; Corporate plans support bespoke connections.
Benefits
One case row. Two draft documents. Figures stay consistent.
NeedsIQ Adviser supports the conversation, NeedsIQ drafts the ICOBS-aligned letter. The fact-find and the D&N draft share the same source row, so the two documents stay internally consistent. The adviser reviews and signs off the final file.
Cut hours off every case
NeedsIQ Adviser supports the call and NeedsIQ drafts the file. What takes 30 to 60 minutes by hand drops to a couple of minutes per case, with the adviser keeping final review.
Guided fact-find on every call
Junior and senior advisers ask the same questions, in the same order, with verbatim scripts available when they need them.
Fact-find and D&N draft are consistent, by construction
Both PDFs are derived from the same case row. The two documents stay internally consistent so the adviser reviews one set of figures, not two.
Defensible per-product decisions
Proceeding, Declined or Deferred, with the reason recorded inline. Goes straight onto the Demands and Needs draft letter.
One submission pack to Xplan
Download the fact-find and D&N draft together as a single zip. Drag both into Xplan in one upload after adviser sign-off.
Pre-call to PDF
~12 min
Cases per Pro plan
100/mo
Documents per case
2 PDFs
Compliance
ICOBS
Pricing
Plans that scale with your practice.
Start free, or subscribe and start drafting today.
Founder pricing. The first 50 advisers get 20% off forever with code FOUNDERS at checkout. Locked in for the life of your subscription.
Solo Adviser
For a single self-employed protection adviser.
- Protection: guided fact-find + verbatim scripts + D&N letter
- Mortgage: MCOB fact-find + suitability report + protection cross-sell
- Up to 25 cases per month (protection or mortgage)
- Each case: fact-find PDF + draft letter, submission pack
- 1 user
- Email support
Pro
For high producing self-employed advisers.
- Everything in Solo (protection + mortgage)
- Up to 100 cases per month (protection or mortgage)
- Custom branded PDFs (your logo and colours)
- Signed CRM webhooks: case events pushed to your CRM
- CSV and JSON export of your case data
- Priority generation
- Priority email support
Firm & Network
Self-serve per-seat pricing for brokerages, networks and principal firms. From £69 per adviser per month, minimum 5 seats, volume discounts at scale.
- Everything in Pro, for every adviser
- Buy seats and invite colleagues yourself, from 5 seats up
- A compliance reviewer with read-only file-check and sign-off across the firm
- Firm dashboard: adviser oversight and file-check queue
- Board-ready Consumer Duty reporting across the firm
- Firm-wide NTU and clawback-risk visibility
- Centralised access control (SSO available on request)
- A DPA available for firm due diligence
- Dedicated account manager + adviser training
Solo and Pro include a free trial when you choose "Start free". Cancel any time from Settings, no contract. Prices are exclusive of VAT where applicable; business buyers can add a VAT number at checkout so it appears on their invoice.
Compare plans
Pick what fits your practice.
Tip: scroll the table horizontally to compare plans.
| Feature | Solo Adviser | Pro | Corporate |
|---|---|---|---|
| NeedsIQ Adviser | |||
| NeedsIQ Adviser guided fact-find | ✓ | ✓ | ✓ |
| Verbatim call scripts | ✓ | ✓ | ✓ |
| NeedsIQ Adviser draft option figures (illustrative) | ✓ | ✓ | ✓ |
| Per-product client decisions | ✓ | ✓ | ✓ |
| NeedsIQ outputs | |||
| D&N draft letter from each case | ✓ | ✓ | ✓ |
| Fact-find PDF from each case | ✓ | ✓ | ✓ |
| Submission pack download (zip) | ✓ | ✓ | ✓ |
| PDF export and print | ✓ | ✓ | ✓ |
| Copy as text | ✓ | ✓ | ✓ |
| Client and delivery | |||
| Client-completed fact-find by secure link | ✓ | ✓ | ✓ |
| Secure report delivery with read trail | ✓ | ✓ | ✓ |
| Document vault (evidence per case) | ✓ | ✓ | ✓ |
| Joint-life protection case | ✓ | ✓ | ✓ |
| NeedsIQ Mortgage | |||
| MCOB mortgage fact-find | ✓ | ✓ | ✓ |
| Drafted MCOB suitability report + editor | ✓ | ✓ | ✓ |
| Mortgage submission pack and pipeline | ✓ | ✓ | ✓ |
| One-click protection cross-sell | ✓ | ✓ | ✓ |
| Your firm's lender intelligence | ✓ | ✓ | ✓ |
| Underwriting and compliance | |||
| Every insurer ranked for the case | ✓ | ✓ | ✓ |
| Per-insurer medical-evidence ladders | ✓ | ✓ | ✓ |
| Your firm's underwriting intelligence | ✓ | ✓ | ✓ |
| Draft trust deed in the submission pack | ✓ | ✓ | ✓ |
| Annual review and life-event engine | ✓ | ✓ | ✓ |
| Vulnerability register and file sign-off | ✓ | ✓ | ✓ |
| Consumer Duty dashboard | ✓ | ✓ | ✓ |
| Limits | |||
| NeedsIQ Adviser cases per month | 25 | 100 | Unlimited |
| Users / seats | 1 | 1 | Unlimited |
| Pro and Corporate | |||
| Custom branded PDFs | - | ✓ | ✓ |
| Priority generation | - | ✓ | ✓ |
| Signed CRM webhooks + CSV/JSON export | - | ✓ | ✓ |
| SSO and access control | - | - | On request |
| Dedicated account manager | - | - | ✓ |
| Adviser training and onboarding | - | - | ✓ |
| Support | Priority email | Dedicated | |
FAQ
Frequently asked questions
How does NeedsIQ support ICOBS-aligned drafting?+
NeedsIQ produces draft Demands and Needs statements structured around ICOBS Demands and Needs requirements and referencing Consumer Duty outcomes. It is a drafting assistant, not a regulated advice service. The regulated, FCA-authorised adviser reviews, amends, signs off and remains fully responsible for the final advice, the recommendation and the client file.
How long does a draft take?+
Most drafts complete in around 30 to 60 seconds. Pro and Corporate plans include priority generation for peak times.
Can I edit the draft before signing off?+
Yes. Every field of the draft is fully editable. You can change figures, rewrite sections, add or remove draft products, edit the headline wording, and adjust the suitability rationale before signing off.
How do I submit the report to my network?+
Once you have reviewed and signed off the draft, you can print or save it as a PDF, copy it as plain text for your CRM, or both. Pro plans connect to common CRMs like Intelliflo and Salesforce; Corporate plans support bespoke compliance integrations.
Is there a free trial?+
Yes. Sign up and run draft reports against your fact-finds for adviser review before committing. No card required to start.
Can I cancel anytime?+
Yes, on the Solo and Pro plans. Corporate contracts are typically annual with monthly billing.
Do you offer custom branding?+
Pro and Corporate plans support custom branded PDFs with your firm's logo and colours so the draft report goes out under your name after sign-off.
Talk to sales
Bringing NeedsIQ to your whole team?
For brokerages, networks and principal firms, we wrap NeedsIQ Adviser and NeedsIQ around your team: seat count, case volume, branding, CRM integrations and Xplan compliance flow. Tell us about your team and we will be in touch within one working day.
- ✓Self-serve seats from £69 per adviser per month, minimum 5, with volume pricing at scale
- ✓Invite colleagues and manage seats from your firm workspace
- ✓A compliance reviewer with read-only file-check and sign-off across the firm
- ✓Centralised access control (SSO available on request)
- ✓Custom branded fact-find + D&N PDFs
- ✓Signed CRM webhooks and CSV/JSON export
- ✓A DPA, terms and security page for your due diligence
- ✓Onboarding and adviser training
From the first conversation to a sign-off-ready file, in one platform.
Start your first case free, protection or mortgage. No card required. NeedsIQ supports the meeting and drafts the file; you stay in control and sign off every word.
No credit card required