What do you get out of this seminar?

1. What do you get out of this seminar? FRIENDS® Business Protection Plan Competitive without compromising quality • Making life easier • A seamless service experience

2. Agenda What do you get out of this seminar? • . • The market • Product features • Higher limits • Service • Support material • Recognition • Contact us Competitive without compromising quality • Making life easier • A seamless service experience

3. The market What do you get out of this seminar? • Business Protection offers an excellent way for advisers to diversify and maximise their income • Estimated 4.8 million businesses in the UK .1 • Life Protection Gap of £2.3 trillion.2 Three Business Protection scenarios 1Department for Business, Enterprise and Regulatory Reform – Statistical Press Release October 2009 2 Swiss Re Insurance Report 2007 Competitive without compromising quality • Making life easier • A seamless service experience

4. Product features What do you get out of this seminar? • . • Our product has been designed specifically to meet the needs of the Business Protection market. • Level Term Assurance (LTA) and Decreasing Term Assurance (DTA) are available with Critical Illness Cover (CIC), all on guaranteed premium rates. • DTA is available for terms of 5 years and above. • Reduction of DTA sum assured is based on an interest rate of 10%. • Tailored increase option:Allowing specific Business Protection up to 50% of the original sum assured or £150,000 whichever is lower.* Competitive without compromising quality • Making life easier • A seamless service experience

5. Higher limits What do you get out of this seminar? • We’ve tailored our product, to fit with Business Protection sums assured, which are often higher than personal or mortgage protection cases. • Financial underwriting limits: £1,000,000 - Life Cover£500,000 - Critical Illness Cover£800,000 for Business Loan Protection Critical Illness Cover • Interim Life Cover limit: £2,000,000 • Interim CIC Cover limit: £500,000 • Free Accidental Death Cover limit: £250,000. *Please see our plan conditions (PN12) for terms and conditions • . Competitive without compromising quality • Making life easier • A seamless service experience

6. Service What do you get out of this seminar? Dedicated Business Protection team • Same day service We aim to provide an efficient service providing initial decision within same day of receiving your client’s of application • ‘High Net Worth’ underwritersOur High Net Worth underwriting team deal with all Business Protection cases, regardless of the sum assured • Personal case handler • You’ll be supported throughout the sales process. We’ll aim to confirm underwriting requirements, including any missing information, medical and financial evidence, on the same day as your clients’ applications. Competitive without compromising quality • Making life easier • A seamless service experience

7. Service What do you get out of this seminar? • Dedicated Business Protection team • Pre-application assistance • We can discuss issues such as medical disclosure, underwriting limits and tax implications before you’ve even met your client. • On your terms • We will deliver ongoing communications between you and your client on your terms via email, phone, fax or letter. Competitive without compromising quality • Making life easier • A seamless service experience

8. Service What do you get out of this seminar? • Dedicated Business Protection team • Regular updates and support You can track your case online 24/7 via our pipeline management facility. • Company Accounts Retrieval Where appropriate, we can save you time by requesting financial accounts from the ‘Registrars of Companies’ service • You’ll receive our dedicated Business Protection service for all of your Business Protection cases, regardless of the sum assured. Competitive without compromising quality • Making life easier • A seamless service experience

9. Support material What do you get out of this seminar? You have access to Business Protection toolkit on the adviser site. This is jam-packed with support material including: • Business Protection online seminar - 3 modules to educate you about the product and support you through the sales process • A business risk report – to support you to highlight financial risks to your clients’ businesses • Guides to quoting for Business Protection on the portals Competitive without compromising quality • Making life easier • A seamless service experience

10. Support material What do you get out of this seminar? • Checklists – step by step flow chart enabling you to capture all the necessary information from your client • Consumer facing sales aid – for you to use in client meetings • Lead generation letters – for you to target potential Business Protection clients. • ….. and much, much more! Competitive without compromising quality • Making life easier • A seamless service experience

11. Recognition What do you get out of this seminar? Competitive without compromising quality • Making life easier • A seamless service experience

12. Contact us What do you get out of this seminar? • Helpline: 0845 602 6181 • Email: businessprotection@friendsprovident.co.uk • Webpage: www.friendsprovident.co.uk/adviser/businessprotection Competitive without compromising quality • Making life easier • A seamless service experience