Resources
Guides for protection & mortgage advisers
Practical, FCA-aware guides on Demands & Needs letters, MCOB suitability reports, Consumer Duty and the tools UK advisers use, from the team building NeedsIQ.
Free download
The Protection Demands & Needs Toolkit
A ready-to-use D&N letter template, a Consumer Duty outcomes checklist and a protection fact-find checklist. Free, emailed to you.Get the toolkit →
Solutions
Demands & Needs software
Demands & Needs letter software, built for the drafting itself
NeedsIQ turns a guided fact-find into an ICOBS-aligned Demands & Needs letter, with the Consumer Duty evidence already in place. You review, tailor and sign off. The advice stays yours.
Suitability report software
MCOB suitability report software that drafts the reasoning
NeedsIQ Mortgage takes an MCOB fact-find and drafts the suitability report, with affordability, term and rate rationale and any debt-consolidation trade-offs in place. You review and sign off, and cross-sell protection in one click.
For protection advisers
Give the advice. Let NeedsIQ draft the file
NeedsIQ is built for UK protection advisers who want the fact-find-to-letter step done in minutes, with the compliance scaffolding built in and the adviser signing off every output.
For mortgage advisers
Draft the MCOB suitability report in minutes, not evenings
NeedsIQ Mortgage drafts the suitability report from your fact-find, with the reasoning MCOB expects and a one-click protection cross-sell. You review and sign off.
For networks & firms
Consistent advice files across every adviser
NeedsIQ gives a network or firm one drafting standard: ICOBS and MCOB structure, Consumer Duty evidence and a file pre-check on every case, with firm-level oversight. Buy seats and invite your advisers yourself. Your advisers review and sign off.
Guides
Comparison · 8 min read
The best software for Demands & Needs and suitability reports (UK advisers, 2026)
An honest guide to the tools UK protection and mortgage advisers use to produce Demands & Needs letters and MCOB suitability reports, what each is good for, and where NeedsIQ fits.
Guide · 7 min read
How to write a compliant Demands & Needs letter: an ICOBS checklist
A practical checklist for UK protection advisers: what an ICOBS-aligned Demands & Needs statement needs to contain, how to evidence Consumer Duty, and common gaps that fail a file check.
Guide · 7 min read
The MCOB mortgage suitability report: what a good one includes
What a compliant MCOB suitability report needs to cover for a UK mortgage recommendation, from affordability to term rationale, and the gaps that fail a file review.
Guide · 6 min read
Consumer Duty for advisers: evidencing good outcomes in the file
A practical view of what Consumer Duty means for advice files: how to evidence the four outcomes in a Demands & Needs letter or suitability report, not just record the sale.