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The adviser view of life policies in trust
As part of our Protection Uncovered series, we're looking at advisers' awareness of life policies in trust.
These questions have been designed to find out how knowledgeable advisers are about advising on life policies in trust and their opinions. This is not a test and all answers are anonymous.
1.
In your opinion, how important do you think trusts are in protection advice?
Extremely
Very
Unsure
Not Very
Not Important
2.
How comfortable are you when explaining the differences between types of trusts available to your clients?
Extremely
Very
Unsure
Not Very
Not Comfortable
3.
When advising a client who you may consider to be vulnerable for whatever reason, would you always consider recommending a protection plan written in trust?
Definitely
Highly Likely
Sometimes
Unlikely
Highly Unlikely
4.
How often would you consider recommending an independent 'third-party' as an additional trustee in a protection sale?
Always
Very Often
Often
Not Often
Never
5.
In light of the Consumer Duty, how important is the use of trusts for vulnerable clients to your company?
Extremely
Very
Unsure
Not Very
Not Important
6.
Some insurers now offer beneficiary nomination as an option within their protection plans. Do you consider beneficiary nomination to be a significant step in protection advice?
Yes
No
Other (please specify)
7.
What are your company's guidelines on placing placing different types of protection polices in trust?
Yes
No
Single Life plans
Yes
No
Joint Life plans
Yes
No
Plans with living benefits such as critical illness or income protection
Yes
No
8.
Are you aware of the insurers who offer beneficiary nomination. If so, who are they?
9.
If you have any further thoughts on policies in trust that could assist my research, please comment below
If you have any queries about this survey, please contact Tabitha Lambie at
tabitha@barcadiamedia.co.uk
