Explore every episode of the podcast Let's Talk Income Protection
Dive into the complete episode list for Let's Talk Income Protection. Each episode is cataloged with detailed descriptions, making it easy to find and explore specific topics. Keep track of all episodes from your favorite podcast and never miss a moment of insightful content.
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Title
Pub. Date
Duration
S1:EP8 - Breaking Financial Taboos with Andrew Russell
02 Jul 2024
00:34:52
In the Season 1 finale:
We speak to Andrew Russell, a mortgage adviser and protection specialist. They discuss the importance of income protection and how to have meaningful conversations about protection with clients. Andrew emphasises the need for financial education and transparency when talking about taboo topics like death and illness.
In #AskIPTF this week, we’ll answer some of your burning questions about choosing the right provider and Matt's tips on reaching the rental market.
And of course, we finish with Matt's Top Tips of the Week with Matt providing 4 top tips this week!
📣 Send the podcast your questions, thoughts or advice to feature on a future episode via:
S1:EP7 - Prioritising Income Protection During the Mortgage Advice Process with Ollie Basnett
18 Jun 2024
00:36:20
In today's episode
We speak to Ollie Basnett from New Homes. Together, we uncover why income protection should be a top priority for clients, especially when purchasing a new home.
In #AskIPTF this week, we’ll be answering some of your burning questions with questions on ASU policies and Executive Income Protection
And of course, we finish up with Matt's Top Tips of the Week, covering simplification, the use of stories and prioritisation.
📣 Send the podcast your questions, thoughts or advice to feature on a future episode via:
S1:EP6 - Integrating Income Protection with Sarah Parkin of Hollybeck
04 Jun 2024
00:39:10
In today's episode
What if you could seamlessly incorporate income protection into every financial plan you develop? Join us on this episode of "Let's Talk IP" as we chat with Sarah Parkin from Hollybeck, a seasoned expert whose journey from TSB Bank to the Mortgage Advice Bureau has made her a passionate advocate for income protection. Sarah shares her extensive knowledge on transforming income protection from a separate product to an integral part of financial advisory, offering a fresh perspective on how to enrich client relationships and improve their financial resilience.
In #AskIPTF this week, Matt answers burning questions on clients refusing protection after sorting out their mortgage and overcoming issues around exclusions on Income Protection.
Then, in Matt's Top Tips of the Week - Matt delves into income stress testing with clients, embedding it into the advice process, leaning into the value and continuous professional development.
📣 Send the podcast your questions, thoughts or advice to feature on a future episode via:
S1:EP5 - Understanding the Psychology of Selling Insurance with Julie Botha from Vitality
21 May 2024
00:47:02
In today's episode
Unlock the psychological secrets behind selling income protection with this eye-opening episode featuring Julie Botha, Sales Training & Academy Manager from Vitality. Storytelling isn't just for bedtime; it's a powerful tool that can reshape how we talk about insurance with clients.
Tap into the shared wisdom of our conversation, where we explore how to turn client discussions into narratives highlighting the value of security and investment in their future. Discover the methods that will help you move past technical jargon and create a compelling vision of protection that resonates with clients' deepest needs and values.
Matt then provides his top tips after his conversation with Julie covering: bringing up protection at the earliest opportunity, selling the problem, not the solution and ask the question "walk me through..."
As mentioned in the podcast, the 7 Families' 10-year anniversary is now out, please watch these powerful stories by using the link below.
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S1:EP4 - Celebrating a Decade of Impact: The 7 Families Project and Humanising Income Protection
07 May 2024
00:35:01
In today's episode
We celebrate the 10-year anniversary of the 7 Families Project's legacy, a collaborative effort that has shifted perceptions and provided tangible support to families in need. With insights into the project's conception and its enduring influence from our guest today, Karin Lloyd.
In #AskIPTF this week, we highlight a couple of posts we enjoyed from two of our 7 advisers on LinkedIn. We have questions on tackling universal credit objections and unblocking the biggest thing stopping advisers from recommending IP - please use the phone number or links below to send in your questions.
Matt then provides us with his top tips on focusing on what's important to the client and using language that makes sense to them.
📣 Send the podcast your questions, thoughts or advice to feature on a future episode via:
S1:EP3 - Life's Uncertainties Need not Spell Disaster - How IP safe guarded Tracey Boyd's client
23 Apr 2024
00:32:56
In today's episode
What would you do if you became ill and couldn't work, how would you protect and look after your family without your regular income? This would have been Damian Bamford's problem if he hadn't taken the advice of Tracey Boyd of Mortgage Hub Expert.
Hear his inspiring journey through adversity to stability as we delve into Damian's personal account of overcoming a health scare, and how Tracey's guidance and a robust policy provided a financial lifeline. Their story is a vivid reminder that life's uncertainties need not spell disaster with the right planning in place while reminding us advisers "This is why we do this"
We answer your questions in #AskIPTF - where you get the chance to ask your burning questions - to send in your questions please use the phone number or links below.
Matt then provides us with his top tips on building financial resilience for your clients over "Selling" and overcoming objections.
And please complete this year's adviser survey (https://tinyurl.com/yenmxuay) so please go and complete that!
📣 Send the podcast your questions, thoughts or advice to feature on a future episode via:
SE1:EP2 - Embracing the Lifeline of Income Protection with Hanna McKallip and Charlotte Rogers
09 Apr 2024
00:42:20
In today's episode
Have you ever wondered about the moments that define our dedication to certain aspects of our lives? Hanna McKallip and Charlotte Rogers, two financial advisers with compelling personal connections to income protection, sit down with us to unpack why this topic is more than just a policy—it's a life raft in turbulent waters. Their stories are the cornerstone of our latest 'Let's Talk IP' episode, shining a light on the real-world implications of unforeseen events and the financial resilience income protection can provide.
Next, we answer your questions in #AskIPTF - where you get the chance to ask your burning questions and big news, the IPTF Hotline is now open for your WhatsApp voice notes, so please do send them in via +44 7442 247280 or if you don't fancy leaving a voice note, you can email us on LetsTalkIPPodcast@gmail.com, or use the #AskIPTF on social.
Finally, we have Matt's top tips, not one to miss - where Matt gives tips on not defaulting to short-term plans and bringing your conversations to life.
We also touch on the IPTF's latest initiatives, including welcoming new advisors to our Task Force, inviting listeners to engage with us on our freshly minted Instagram page and this year's adviser survey (https://tinyurl.com/yenmxuay) so please go and complete that!
Don't miss the collaborative wisdom and industry insights that are transforming the conversation around income protection—one episode at a time.
📣 Send the podcast your questions, thoughts or advice to feature on a future episode via:
S1:EP1 - Fortifying Your Client's Finances with Expert Income Protection Advice
26 Mar 2024
00:41:34
Welcome to the inaugural episode of Let's Talk IP by the Income Protection Task Force, your bi-weekly fix of IP upskilling, to help you become the best adviser you can be.
In today's episode
Imagine securing your financial future with a shield so robust that life's unexpected twists can't dent your stability. That's the promise of income protection, a topic we explore thoroughly in our interview with Keiran Leeder a behavioural specialist turned mortgage and protection adviser. Keiran brings to the table heartwarming client stories and transformative experiences that spotlight the indispensable nature of income protection.
Next, we answer your questions in #AskIPTF and for our very first episode, we have our wonderful 7 Advisers on the line to ask some burning questions along with special guest Gary Waters chiming in from Bali of all places, who discusses the integration of income protection in the home-buying process, emphasizing its role in not just acquiring, but maintaining the home of your dreams.
Then finally, as we will on every episode of the podcast, Matt provides his insight in "Matt's Top Tips of the Week" - where he underscores the value of leaning on Business Development Managers for their expertise, stepping out of their comfort zones, and adopting a mindset that places informed advising at the heart of client interactions.
📣 Send the podcast your questions, thoughts or advice to feature on a future episode via:
Let's Talk IP by the Income Protection Task Force (IPTF) - Coming Soon!
06 Mar 2024
00:02:10
Launching Tuesday 26th of March!
Introducing "Let's Talk IP," presented by Matthew Chapman, The Protection Coach, proudly brought to you by the Income Protection Task Force (IPTF). Join us as we look beyond financial advice, focusing on income protection, a subject often overlooked but undeniably vital for financial resilience.
🎙️ About the Podcast:
In each episode, Matthew Chapman, renowned as The Protection Coach, along with industry experts brings his expertise to the forefront, shining a spotlight on income protection. Whether you're a seasoned financial adviser or someone eager to enhance their financial literacy, "Let's Talk IP" is the go-to resource for understanding the importance of income protection in securing a stable financial future for clients. We’ll share powerful stories as well as simple techniques for refining your advice process and increasing your income protection sales.
Join us as we look beyond financial advice, focusing on income protection, a subject often overlooked but undeniably vital for financial resilience.
Whether you're a seasoned financial adviser or someone eager to enhance their financial literacy, we hope "Let's Talk IP" will be the go-to resource for understanding the importance of income protection in securing a stable financial future for clients.
We’ll share powerful stories as well as simple techniques for refining your advice process and increasing your income protection sales.
So don’t miss out on the conversation! Subscribe to "Let's Talk IP" on your favourite podcast platform to receive regular doses of expert advice and thought-provoking discussions.
Empower yourself, empower your clients and "Let's Talk IP"
📣 Send the podcast your questions, thoughts or advice to feature on a future episode via:
In this special mid-season bonus episode, guest host producer Stevie is here to showcase Matt's Top Tips from Season 1, episodes 1 to 4 which are jam-packed with excellent advice from regular host and "The Protection Coach" Matthew Chapman.
We are also asking for your thoughts for season 2 as well, as we want to make the podcast the best it can be for season 2, please fill out this survey to support us, it all helps!
📣 Send the podcast your questions, thoughts or advice to feature on a future episode via:
In this special mid-season bonus episode, guest host producer Stevie is here to showcase Matt's Top Tips from Season 1, episodes 5 to 8. These episodes are jam-packed with excellent advice from regular hosts and "The Protection Coach" Matthew Chapman, so get stuck in and caught up ahead of Season 2.
We are also asking for your thoughts for season 2 as well, as we want to make the podcast the best it can be for season 2, please fill out this survey to support us, it all helps!
📣 Send the podcast your questions, thoughts or advice to feature on a future episode via:
How Your Mindset Can Make or Break Your Income Protection Advice
06 Feb 2025
00:54:16
Let's Talk Income Protection is back for Season 2 and we're bigger and better than ever. Bigger episodes, bigger insight and even more Matt Chapman plus a new co-host, Stevie Arnoldi from SEA Studios, the new Content Associate for the IPTF.
In this month's episode, we focus on Mindset and Time to Talk Day, the nation’s biggest mental health conversation. It’s a day for friends, families, communities and workplaces to come together to talk, listen and change lives which is run by Mind and Rethink Mental Illness.
Do you ever catch yourself assuming clients will say no before you’ve even had the conversation? Your mindset could be the biggest factor holding you back from success in Income Protection. In this episode, we break down the biggest mindset traps advisers fall into and how to reframe them for better results.
We're also joined by an expert guest, Anish Patel from Aniche Mortgages to discuss his mindset journey from an "ok" to a "confident and assured" adviser before answering your questions and providing you with actionable advice to improve your mindset and skills.
So if you want to:
Improve your mindset in financial advice
Overcome objections when advising on insurance
Improve your Income protection advice strategies
This is the podcast for you!
Got a mindset trap you’ve struggled with? Let us know! Drop us a message on the links below or tag us on LinkedIn (@IPTF) with your thoughts. Don’t forget to subscribe for more expert insights!
Season 2 Trailer - We're Back and Bigger Than Ever!
31 Jan 2025
00:02:30
Hey everyone! Let’s Talk IP is back, and this time, we’re taking things up a notch. That’s right—Season 2 is here, and we’ve got some BIG changes coming your way!
We’ve refined the format, we’re diving deep into real conversations that matter. We’re still bringing your expert insights on Income Protection, but now we’re exploring one key topic per episode. We’re breaking it down, challenging the norms, and making sure you leave every episode with actionable advice.
For Season 2, we’re making it easier to send us your thoughts and questions, head on over to SpeakPipe.com/letstalkIPPodcast to send your voice notes or email us at info@IPTF.co.uk
So start sending us your thoughts and questions. It takes seconds, and you could be featured in an upcoming episode!
Let’s Talk IP is now longer and more in-depth! We’re going monthly, with episodes running between 45 to 55 minutes. You can expect a new episode every first Thursday of the month for the rest of the year—so mark your calendars!
So, subscribe now and get ready—Season 2 of Let’s Talk IP kicks off on Thursday, February 6th
📣 Send the podcast your questions, thoughts or advice to feature on a future episode via:
Why Women Struggle to Protect Their Income: Insights and Solutions
06 Mar 2025
00:53:50
In this month's episode, Matt and Stevie speak to Rose St Louis from Scottish Widows and Joanna Streames from Velvet Mortgage about the notable gender gap in income protection, the latest research done by Scottish Widows on this subject and the challenges women face in securing their financial futures.
Listen now to learn more about: • The importance of understanding the gender gap in income protection • Insights from Rose St Louis on the findings and implications of recent research • Joanna Streams shares the advisor's perspective on protecting women's incomes • Real-life examples that illustrate the impact on families • Building trust and communication with female clients • Actionable takeaways for advisors at different experience levels • Strategies for closing the income protection gap for women • The need for ongoing education about income protection benefits • Discussing the future of income protection tailored to women
Do you have an idea on how to reduce this gap? Let us know! Drop us a message on the links below or tag us on LinkedIn (@IPTF) with your thoughts. Don’t forget to subscribe for more expert insights!
📣 Send the podcast your questions, thoughts or advice to feature on a future episode via:
The Untapped Power of Mutual and Friendly Societies in Income Protection
03 Apr 2025
00:55:19
In this month's episode, Matt and Stevie explore the unique role of mutual societies and friendly societies in the income protection market, examining their history, customer benefits, and future growth potential under the new Labour government by speaking to Andrew Morris, CEO of Cirencester Friendly and Nicola Huxley of Sphere Financial Services
Listen now to learn more about: • How Mutuals and friendlies are owned by members (policyholders) rather than shareholders • How these societies often excel at providing cover for clients with niche occupations or pre-existing conditions • The Labour government's commitment to doubling the size of the mutual finance sector as part of its manifesto • How Nicola Huxley's insights into focusing on multi-policy rather than multi-benefit sourcing to help identify mutual options • How mutuals reinvest profits to benefit members • Mutuals often provide more personalised underwriting and claims experiences • The legislative challenges the sector faces, but the significant growth opportunities • How experienced advisers can leverage mutual partnerships for enhanced client retention and business growth
Vocational Rehabilitation: The Missing Link in Income Protection - A 7 Claims Story
22 May 2025
00:53:17
In this episode, Matt and Stevie take a deep dive into vocational rehabilitation, a crucial but often overlooked part of the claims journey. This episode forms part of the IPTF’s ‘7 Claims Stories’ series and explores how tailored rehab support can transform a person’s recovery after illness or injury. They’re joined by Phil Deacon, who leads the project, alongside vocational rehab consultant Monica Garcia and protection adviser Charlotte Rogers, who each bring a unique perspective on helping people get back to work with confidence and care.
Vocational rehabilitation plays a transformative role in people's lives by supporting individuals with health conditions and disabilities to stay in work, return to work and sustain employment. This missing link in the recovery journey helps bridge the gap between medical treatment and a person's ability to perform their specific job functions.
Listen now to learn more about:
• How vocational rehabilitation consultants assess both physical and cognitive demands of roles to create bespoke return-to-work plans • Common mental health conditions, musculoskeletal problems and cancer are the top three reasons for income protection claims • How only 45% of the working population has access to occupational health support • Why proportional benefit allows claimants to gradually increase working hours while maintaining some financial support • How self-employed individuals are particularly vulnerable without workplace support structures • Why the biopsychosocial model helps identify who needs additional support to return to work • How early intervention significantly increases the chances of a successful return to work • Why a 12-18 period off work means chances of returning "fall off a cliff" • How advisers should encourage clients to notify insurers early, even with longer deferred periods • How claims assessors need better training to identify when vocational rehabilitation could help • How the industry could learn from countries like the Netherlands, the USA and Australia, where employers play a more active role • How approximately 300,000 people leave the workplace yearly due to health conditions • Why over 8.2 million people currently live with work-limiting health conditions in the UK
In this episode, Matt and Stevie get down to business...business protection that is! A very technical episode featuring three interviews based on different levels of expertise in the space with guests Tara Cohen, from The Mortgage Centre Direct and one of the IPTF's new 7 Advisers, Nathaniel Lee from Business Protected and from L&G, Dave Butler.
Business protection represents a massive gap in the UK market, with just 1% of protection sales despite a £1.35 trillion opportunity, because nearly every client you speak to is likely connected to a small or medium-sized enterprise that needs protection.
Listen now to learn more about:
• How business protection covers key person protection, shareholder/partnership protection, and business loan protection • How employee benefits like executive income protection and relevant life policies offer tax-efficient solutions for businesses • How new advisers should build confidence by understanding business protection language and leaning on BDMs for support • How executive IP offers higher benefit levels (80%) than personal IP (60%) to account for tax when paid through payroll • How business owners need education about protection options, as many are unaware that these solutions exist • How specialist business protection advisors focus on educating clients first, rather than immediately selling products • Why understanding tax implications is crucial when recommending business protection products • Why any advisers unsure about business protection should: "Write it or refer it" - don't let clients miss vital protection
Links from the episode:
Visit the IPTF website to access new advisor tools, including underwriting guides, calculators and a glossary of IP terms.
📣 Send the podcast your questions, thoughts or advice to feature on a future episode via:
The Adviser's Guide to Building a Personal Brand in the Digital Age
05 Jun 2025
00:57:57
In the latest episode of Let’s Talk Income Protection, Matt and Stevie dive into a topic that sparks a lot of opinions — social media. Whether you love it or avoid it, one thing’s clear: it’s not going anywhere. For advisers wanting to grow their brand and reach more clients, it’s time to get on board.
To guide us through the landscape, we’re joined by two experts who live and breathe this stuff: Rosalia Lazzara and Ash Borland.
Social media has become the new currency of visibility for financial advisers. Done well, it helps you build trust, stay top of mind, and attract your ideal clients — all without it becoming a full-time job.
Listen now to learn more about:
• How social media should be part of a bigger business strategy, complementing referrals and networking • Why people buy from those they know, like, and trust – social media accelerates this process • Analysing your CRM to identify your most successful client types before posting content • Focusing on one platform where your ideal clients spend time before expanding • Why personal branding doesn't mean sharing private details – it means being personable and authentic • How video content creates "parasocial relationships" where potential clients feel they know you before meeting • Why niche marketing differs from niche product–market to a specific audience but serves anyone who needs your solutions • Why consistency matters more than trying to be different or creative • Why you shouldn't over-edit videos – simple, authentic content builds more trust than over-produced content • Why you should batch create and schedule content to maintain consistency without daily pressure
📣 Send the podcast your questions, thoughts or advice to feature on a future episode via:
Cover that Fits – Comprehensive Protection Built on What Matters – Menu & Multi-Benefit Plans
03 Jul 2025
00:48:37
In the latest episode of Let’s Talk Income Protection, Matt and Stevie dive into the rise of menu plans. More advisers are recommending combinations of products like life, critical illness, and income protection together.
To help us dive into this topic this month, we’ve got two fantastic guests joining us today, firstly Zoe Mears from iPipeline to dig into what the latest data is telling us about trends in this space and then we speak to Gemma Sawyer from Switch Financial Services to get a real-world view from the adviser side.
Income protection usage is growing significantly, with multi-benefit plans showing a strong upward trend as advisers deliver more comprehensive protection recommendations to clients.
Listen now to learn more about:
• How income protection sales up 15% year-on-year, with even stronger growth in multi-benefit structures • Why multi-benefit plans now account for 33.7% of all applications through iPipeline • Why income protection now features in half of the top 10 multi-benefit combinations, up from 30% last year • How short-term income protection with 4 and 13-week deferred periods dominates multi-benefit plans
📣 Send the podcast your questions, thoughts or advice to feature on a future episode via:
Consumer Duty is Changing How We Protect Clients Forever
07 Aug 2025
00:49:07
Consumer Duty regulations are reshaping protection advice by shifting the industry from box-ticking compliance to a genuine focus on client outcomes. This shift enables advisers to deliver more meaningful, goal-oriented conversations about financial security.
• Consumer Duty represents a transformation from prescriptive, rules-based regulation to outcomes-focused approaches • Keith Richards explains how the Consumer Duty Alliance provides free self-assessment tools and resources for advisors • Vulnerability considerations have expanded beyond permanent conditions to include temporary circumstances requiring additional support • Claims handling is improving with streamlined processes, digital signatures, and dedicated support contacts • Cross-referrals between protection specialists and wealth advisors are increasing to provide holistic financial planning • Documentation now focuses on evidencing client outcomes rather than just product recommendations • Consumer Duty encourages advisers to break complex advice into manageable, client-friendly segments • The Protection Alliance is being developed to support protection specialists specifically