The Protection Demands & Needs Toolkit
The write-up is the slowest part of the file. This free pack gives you the templates and checklists to do it well, every time, built around ICOBS and the Consumer Duty.
Demands & Needs letter template
An ICOBS-structured skeleton, from the client's demands and needs through to the options not taken, affordability, vulnerability and sign-off.
Consumer Duty outcomes checklist
A quick self-check across the four outcomes before you sign off a protection case, so the file evidences each one.
Protection fact-find checklist
The facts a protection recommendation stands on, personal, family, income and expenditure, existing cover and health, where a file check bites.
These are templates and checklists for qualified, FCA-authorised advisers to adapt. They are not advice. You remain responsible for the advice you give and the file you produce.
NeedsIQ drafts all three of these automatically from your fact-find, for you to review and sign off. See it draft a letter free.