Built for the part of protection advice that is slow
You already know the recommendation. What takes the evening is the Demands & Needs letter: the structure, the options not taken, the Consumer Duty evidence and the plain-English reasoning. NeedsIQ drafts that from your fact-find so you spend your time tailoring the advice, not re-typing scaffolding.
More than drafting
- AI draft option analysis with illustrative figures, for you to check and tailor.
- An optional client pre-appointment questionnaire by secure link, so the client notes the factual basics and you review, verify and merge them rather than re-keying.
- Underwriting evidence ladders across insurers, so you can see what each will ask for at a given disclosure.
- A replacement-of-cover assessment and a trusts and beneficiary prompt.
- Joint-life cases for couples, with one Demands & Needs letter addressing both lives.
- A document vault on every case for the supporting evidence: quote comparisons, ID and AML, illustrations.
- Secure delivery of the signed-off letter to the client, with a read-and-acknowledged trail on file.
- A Consumer Duty outcomes pack and a vulnerable-customer register.
- A file pre-check and a clean submission pack for your network.
NeedsIQ ranks insurers by best fit for the client's disclosed health so you can see the landscape, but it does not make the recommendation. You choose, you tailor, you sign off.
NeedsIQ produces draft documents for a qualified adviser to review, amend and sign off. It does not source products, recommend a lender or insurer, or give regulated advice. The FCA-authorised adviser chooses the recommendation and remains responsible for the file.
Frequently asked questions
Who is NeedsIQ for?
UK protection advisers and firms, whether directly authorised or operating as an appointed representative under a network, who want to speed up the Demands & Needs write-up without cutting compliance corners.
Does it replace my back-office system?
No. NeedsIQ is a drafting platform, not a CRM. It complements the back-office system you already run: draft in NeedsIQ, keep your records where they live.
Can the client complete a questionnaire before their appointment, and get the letter by link?
Yes, if you turn the optional pre-appointment questionnaire on. It gathers the factual basics only, so the client never sees or picks a recommendation. You review, verify and merge their answers, and can deliver the signed-off letter back to them by secure link with a read-and-acknowledged trail on file. You give the advice and sign off everything.
Can I run a couple as one case?
Yes. You can run a couple as a single joint-life case, and the Demands & Needs letter addresses both lives, including joint decreasing-term cover written alongside a mortgage.
Does NeedsIQ choose the insurer?
No. It can rank insurers by best fit for the client's disclosed health and show the evidence each will ask for, but the adviser chooses the recommendation and remains responsible for the file.