Scottish Provident is due to start rebranding to Royal London at the end of the year, and the new protection business will bring together elements of both the Bright Grey and Scottish Provident brands.
This includes a new income protection product with extended age ranges to suit longer working lives, improved unemployment cover that does not have to be linked to a mortgage, and a quote service offering fewer and better targeted questions.
The ‘quote & apply’ service allows either advisers or clients to apply online.
The changes aim to make the process of applying for protection products quicker and simpler, while saving advisers both time and money.
Debbie Kennedy (pictured), head of protection at Royal London said the new online service will be a ‘big step forward’ for advisers, enabling them to manage their clients’ cost expectations pre-application, while reducing the chance of cases not proceeding due to ratings and the underwriting terms.