PENSIONS INVESTMENTS LIFE INSURANCE
OUR BRAND GUIDELINES GETTING TO KNOW OUR BRAND
guidelines
01/ CONTENTS
A Brand isn’t just a name or a logo, it represents who you are and what you stand for.
01/ Contents 02/
Our Brand at a glance
Brands affect everything we do, how we
Our purpose and what we stand for
look, how we talk, how we do business.
Our Brand architecture framework
03/
Our Brand Identity and Assets
powerful advantage in the marketplace.
Dual branding
Our logo and colours
Our Irish Life Brand is one of our most valuable
Typography and fonts
assets. We are proud of our Brand -
Our Brand voice – words and images
Icons and highlighters
remember that our Brand is our promise,
04/
Using our Brand Assets including:
Advertising guidelines and formats
Promotional formats
Power Point and Word templates
Please take the time to read and understand
05/
Great-West Lifeco Group
these Brand Guidelines. Don’t worry, it’s not
The Great-West Lifeco logo
too complicated, in fact we think you’ll enjoy it.
Using information about Great-West Lifeco
06/
Consumer Protection Code
02/40 Group Version 1 /February 2015
The strongest brands in the world have a
so we all need to play our part to meet the expectations we set.
02/ OUR BRAND AT A GLANCE
Our brand 03/40 Group Version 1 /February 2015
WHAT WE STAND FOR
OUR PURPOSE We serve individuals and businesses by keeping our promises so they achieve financial security and peace of mind. By providing an outstanding experience for our customers and managing risk, we will grow our business profitability.
OUR BRAND PROPOSITION More Irish people choose Irish Life because we combine the global strength and expertise of Great-West Lifeco with our 75 years of local financial knowledge, experience and skill to take care of their financial future.
CUSTOMER INSIGHT There is a growing hunger for financial independence. However there is a lack of trust and follow through on this desire for self-direction because of fear or a lack of knowledge. So the need for guidance is great.
STRATEGIC CREATIVE IDEA Position Irish Life as the trusted and knowledgeable financial guide in a distinctive, authentic, relevant and consistent way.
BRAND ATTRIBUTES Empathy - Responsibility - Expertise - Innovation - Leadership
OVERALL CREATIVE PLATFORM “We know Irish life. We are Irish Life.”
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Irish Life is the best guide for Irish lives.
BRAND ARCHITECTURE FRAMEWORK Brand architecture is the framework we use to structure and communicate our products and services. Our Brand architecture framework is a summary of how prominent each element of our brand architecture should be from the stakeholders perspective – our master Brand is at the top. Our communications and customer/stakeholder interactions will reflect this emphasis.
MASTER BRAND
MASTER BRAND
We aim to maximise the use of our Irish Life master - brand assets (including the “Irish Life” name and logo) when promoting or describing the core activities of each of the business divisions within Ireland.
PRODUCT PILLARS
The next most important information to signal to our existing and potential audiences is the main product and service categories that we offer – our “product pillars”.
PRODUCT PILLARS
PENSIONS • INVESTMENTS • LIFE INSURANCE
BRANDED PRODUCTS
These are strategic product or service solutions that we have attached the Irish Life name to. These are developed and promoted across more than one Irish Life Division. They are unique Irish Life solutions which demonstrate innovation and differentiation for our brand.
BRANDED PRODUCTS
Irish Life EMPOWER • Irish Life MAPS • (PLUS 2/3 OTHERS)
BRANDED ACTIVITIES
We will attach our name and brand to a small number of major internal and external activities. Branding these activities provides credibility for the initiative itself and helps to further demonstrate our brand purpose.
BRANDED ACTIVITIES
Irish Life IN THE COMMUNITY • Irish Life STAFF CHARITIES
BUSINESS DIVISIONS
This is how we structure and organise ourselves and ‘signpost’ the significant parts of our business internally and externally - to ensure clarity for our customers and stakeholders in how they can contact and interact with us.
BUSINESS DIVISIONS
RETAIL • CORPORATE BUSINESS • INVESTMENT MANAGERS
PARENT GROUP
This shows that we are part of the Great-West Lifeco group of companies, one of the world’s leading life asssurance and financial services organisations. 05/40 Group Version 1 /February 2015
Irish Life is part of the Great-West Lifeco parent group of companies
03/ OUR BRAND IDENTITY AND ASSETS
Our logo is the graphic representation of our company and the values for which it stands. Apart from making our communication material look consistent, the Irish Life logo embodies all our core values across all aspects of our business.
Our logo 06/40 Group Version 1 /February 2015
Primary Logo Our logo comprises of two elements - the symbol and type. The logo elements should never be separated. Position, size, and color, along with the relationship of the elements to each other should not be altered.
The story of our Logo Our logo was originally designed in the early 1990s by the acclaimed brand designer Wolff Olins. Our logo was a break with tradition and represented a distinct change for Irish Life. Our logo draws on natural elements or ‘sources of life’ - the human figure, a bird and a fish with the bird representing freedom, the fish representing sustenance and the human is the individual with aspirations and dreams. A natural ‘cornflower’ blue was chosen as a corporate colour, it was seen as life-affirming rivers, sea and sky. The central human figure was also inspired by the heroic sculpture ‘The Chariot of Life’ by renowned Irish sculptor Oisin Kelly, which is situated in front of our Headquarters. Corporate Colours Black and Pantone 2725 C are our chosen corporate colours.
Pantone 2725 C
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Black
Standard Logo Versions Below are our approved versions of the Irish Life logo. Always use specific logo artwork provided.
The primary logo can only sit on white with a set clear space around it.
Clear Space... Our logo should always have breathing space. A recommended clear space has been developed to protect the logo from elements which may be positioned too close. The X dimension is used to create a square unit which establishes this clear area around the whole logo. The recommended logo position is top right on print material.
X
X
The white logo can only sit on either black or Pantone 2725.
X
X 25mm
The black logo is used where only single colour black is available.
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X Minimum Size The Irish Life logo should always be legible, clear and reproduced to a high quality. The logo should never be reproduced below the minimum width of 25mm (95 pixels @ 92dpi online).
LOGO ARTWORK FILES...
A brand is the heart and soul of every organisation.
Adobe Illustrator (.ai) files are ideal for Mac/print requirements, for use in high resolution reproduction such as marketing collateral and advertising. Jpeg and png files are ideal for PC use in Word, Powerpoint, Excel etc.
IIrish Life Logo CMYK.ai Irish Life Logo Pantone.ai Irish Life Logo RGB.jpg Irish Life Logo RGB.png
Irish Life Logo BLACK.ai Irish Life Logo BLACK.jpg Irish Life Logo BLACK.png
Irish Life Logo WHITE.ai Irish Life Logo WHITE.jpg Irish Life Logo WHITE.png
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BRANDED PRODUCTS
These are strategic product or service solutions that we have attached the Irish Life name to. These are developed and promoted across more than one Irish Life Division. They are unique Irish Life solutions which demonstrate innovation and differentiation for our brand.
EMPOWER
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BRANDED ACTIVITIES
There will be a small number of major internal and external activities that we will attach our name and brand to. Branding these activities provides credibility for the initiative itself and helps to further demonstrate our brand purpose. Examples of branded activities include Corporate Social Responsibility and customer initiatives as shown below. Please contact the Design Unit in Marketing for master artwork files for the branded activities shown below. All other business initiatives and activities should be developed using standard Irish Life branding. This means that no other logos should be developed or applied to any marketing collateral that are being promoted under the Irish Life Brand.
in the community
intouch staff charities
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Irish Life marketing teams must sign off on dual branded collateral before publishing. The Irish Life logo should always be legible, clear and reproduced to a high quality.
DUAL BRANDING
The Irish Life logo should never be reproduced smaller than: 25mm for printed material 95 pixels @ 92dpi for digital See Section 4 for more information on using our Brand Assets.
GETTING THE MOST FROM YOUR APPOINTMENTS
SALES CONFERENCE
FAIL TO PREPARE - PREPARE TO FAIL
2015
5 STEPS TO ESTABLISH CLEARER GOALS BEFORE YOUR MEETING 1. Source of appointment – Branch, Contact Centre,Self – how relevant is this?
2. My Biz – what existing plans might be in place? • Protection – are family & loans fully covered? • Pension – how is it performing, years left to retirement?
3. CRM check on customer - last meeting, past reviews, key areas under or not addressed, status, employment
4. Profile Check –existing arrangements 5. Can you now apply the M.A.N principle (money, authority, need) in trying to pre-qualify your customer, before you meet?
• Investments / Savings – how are they performing? • will they meet the customers’ expectations / goals?
CONFIRMING YOUR APPOINTMENT
1. Recap on existing arrangements.
1. Establish customer reasons for meeting.
2. Pre – populate Clear Review with known information.
2. What are you going to do for the customer at this meeting? (WIFT)
3. Establish if the decision maker (authority) will attend the meeting.
PRE – APPOINTMENT TASKS
(to be verified at meeting)
3. Preview how and where you can influence the customer, in trying to identify opportunities / customer hot spots in your meeting.
4. What do you need the customer to bring to the meeting? (eg. proof of PPSN and existing plan details)
ILA 11603 (NPI 02-15)
5. Confirm start & finish times.
business.
6. Encourage joint review where applicable.
For adviser use only Irish Life Assurance plc is regulated by the Central Bank of Ireland.
Dual Branded Folder Sample
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Dual Branded Flyer Sample
Position of Dual Branded logo: Place the other company’s logo on the top left hand side of the document as indicated.
Our colours and typography at a glance...
Corporate Colours Pantone Colour specification. Pantone 2725 C
Corporate Typeface To be used for all documents designed for publication/print.
Foundry Sans is our primary typeface. Black
BRANDON GROTESQUE is used for Headings (CAPS ONLY) Marketing Script is used for highlights and notes.
Pantone 3258 C
Sabon LT can be used for more formal uses such as invitations. Arial is the PC font, for use in Word, Powerpoint, Excel etc.
Pantone Warm Gray 11 C
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OUR COLOUR PALETTE
These colours are available for communication pieces such as booklets, adverts and marketing literature.
PANTONE 576 C
PANTONE 381 C
PANTONE 3258 C
C59 M5 Y94 K26 R105 G146 B58 HEX #69923A
C29 M0 Y96 K0 R201 G221 B3 HEX #C9DD03
C60 M0 Y33 K0 R80 G201 B181 HEX #50C9B5
C40 M0 Y21 K0 R154 G220 B198 HEX #9ADCC6
C24 M0 Y42 K0 R200 G229 B154 HEX #C8E59A
PANTONE 646 C
PANTONE 277 C
PANTONE 312 C
PANTONE 2725 C
PANTONE 281 C
PANTONE 337 C
PANTONE 365 C
C77 M68 Y0 K0 R82 G97 B172 HEX # 5261AC
C100 M85 Y5 K35 R0 G38 B100 HEX #02664
C74 M30 Y3 K12 R84 G130 B171 HEX #5582AB
C35 M9 Y0 K0 R170 G202 B230 HEX #AACAE6
C96 M0 Y11 K0 R0 G173 B208 HEX #00ADD0
PANTONE 7534 C
PANTONE 7530 C
PANTONE 7536 C
PANTONE Warm Gray 11 C
BLACK
C11 M13 Y30 K32 R170 G163 B142 HEX #AAA38E
C26 M36 Y38 K70 R103 G92 B83 HEX #675C53
C0 M0 Y0 K100 R35 G31 B32 HEX #333333
C5 M5 Y13 K8 R215 G211 B199 HEX #D7D3C7
C36 M38 Y48 K3 R164 G147 B130 HEX #A49382
THESE COLOURS ONLY TO BE USED WHEN A FULL SPECTRUM OF COLOUR IS REQUIRED
PANTONE 1785 C
C0 M76 Y50 K0 R245 G67 B89 HEX #F54359
PANTONE 185 C
C0 M94 Y78 K0 R224 G0 B52 HEX #E00034
PANTONE 159 C
C1 M74 Y100 K7 R199 G91 B18 HEX #C75B12
CMYK colours references to be used when creating any item for print. RGB colour references to be used when developing word documents, PPT HEX colour references to be used when developing websites, apps etc. 014/40 Group Version 1 /February 2015
PANTONE 1385 C
PANTONE 124 C
C2 M60 Y100 K3 R212 G118 B0 HEX #D47600
C0 M32 Y100 K0 R234 G171 B0 HEX #EAAB00
COLOUR PALETTE TINTS PANTONE 576 C
PANTONE 2725 C
PANTONE 7534 C
70%
PANTONE 381 C
70%
PANTONE 3258 C
70%
Tints of our colour palette may be used. To ensure we remain consistent please use the suggested tint values below.
PANTONE 337C
70%
PANTONE 365 C
70%
30%
30%
30%
30%
30%
10%
10%
10%
10%
10%
70%
PANTONE 281 C
70%
PANTONE 646 C
70%
PANTONE 277C
70%
PANTONE 312 C
70%
30%
30%
30%
30%
30%
10%
10%
10%
10%
10%
70%
PANTONE 7530 C
70%
PANTONE 7536 C
70%
PANTONE Warm Gray 11 C
70%
BLACK
70%
30%
30%
30%
30%
30%
10%
10%
10%
10%
10%
LIMITED USE - THESE COLOURS ONLY TO BE USED FOR PIE CHARTS PANTONE 1785 C
70%
PANTONE 185 C
70%
PANTONE 159 C
70%
PANTONE 1385 C
70%
PANTONE 124 C
70%
30%
30%
30%
30%
30%
10%
10%
10%
10%
10%
015/40 Group Version 1 /February 2015
OUR FONTS IN MORE DETAIL... Foundry Sans is our primary font and should be used on all communication pieces.
Foundry Sans ABCDEFGHIJKLMNOPQRSTUVWXYZ abcdefghijklmnopqrstuvwxyz 1234567890!@€£$%^&*() Foundry Sans is available in Light, Normal, Medium and Bold fonts.
Brandon Grotesque is used for Headings (CAPS ONLY)
BRANDON GROTESQUE ABCDEFGHIJKLMNOPQRSTUVWXYZ 1234567890!@€£$%^&*() Marketing Script is used for highlights and notes.
Marketing Script ABCDEFGHIJKLMNOPQRSTUVWXYZ abcdefghijklmnopqrstuvwxyz 1234567890!@€£$%^&*() For formal invitations, Sabon LT can be used.
Sabon LT ABCDEFGHIJKLMNOPQRSTUVWXYZ abcdefghijklmnopqrstuvwxyz 1234567890!@€£$%^&*() Sabon LT is available in Roman, Bold and Small Caps fonts.
Arial is the PC font, for use in Word, Powerpoint, Excel etc.
Arial ABCDEFGHIJKLMNOPQRSTUVWXYZ abcdefghijklmnopqrstuvwxyz 1234567890!@€£$%^&*() 016/40 Group Version 1 /February 2015
We have distinct typefaces in our font family. Together these can be used to add consistency and character to our communication material.
Our Brand is the way the public perceives us in a human way.
Jargon Free
Motivational
Always keep language clear and simple.
Use language that informs and motivates.
OUR BRAND VOICE... Get the point across in a brief and concise manner.
Concise 017/40 Group Version 1 /February 2015
Remember our customers - so keep it real.
Real
RETAIL
HOW WE SEE THINGS... When we use photography, Irish Life images should be friendly, engaging and real. Images should capture natural lifestyle moments. For more information email: brand@irishlife.ie
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Friendly
Energetic
Natural
Honest
CORPORATE BUSINESS
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INVESTMENT MANAGERS
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All icons appear as simple line drawings as the samples show below. If you need an icon for something not shown below here, just contact the Design Units.
DON’T FORGET ABOUT OUR ICONS...
Some samples... PHONE
CONTACT
ONLINE SEVICES
JARGON FREE
TIME PERIOD
FUNDS AVAILABLE
INFORMATION
RISK
IMPORTANT NOTE
AIM
MONEY
CAPITAL PROTECTED
022/40 Group Version 1/February 2015
Let’s talk... For more serious information, please use the formal options - the rectangle speech bubble.
A Brand is the heart and soul of every organisation. ‘Rectangle’ speech bubble Always use our primary font Foundry Sans to deliver your message.
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Speech Bubble ‘Highlighters’ When you want to highlight information we have a range of graphics to help get your message across.
To help deliver informal pointers and tips, you can use the scribble speech bubble
Let’s talk... ‘Shard’ speech bubble Use our secondary font Marketing Script for short highlighters.
04/ USING OUR BRAND ASSETS
Brand Assets 024/40 Group Version 1 /February 2015
The Shard is an angular holding device. This unique shape is used to draw attention to our branding,
THE SHARD
particularly in external communications. Where formats allow, the Shard should be used to contain both the primary logo (symbol & type) plus the 3 product pillars. SHARD HOLDING DEVICE
In small formats we can use a version without the 3 product pillars.
SYMBOL
LOGO TYPE
PENSIONS • INVESTMENTS • LIFE INSURANCE
Shard including 3 product pillars
3 PILLARS
SHARD HOLDING DEVICE
SYMBOL
LOGO TYPE
PENSIONS • INVESTMENTS • LIFE INSURANCE
Shard without 3 product pillars
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We have created 4 versions of the Shard to allow flexibility as to the position where the Shard appears.
THE SHARD
Depending on the composition of the communication creative, the Shard can be used top or bottom, right or left. Minimum Clearance Space The Shard device maintains the same sense of breathing space established for the Irish Life primary logo. As illustrated below, the X dimension is used as measurement to ensure clear space between primary logo and product pillars, and between primary logo and the edge of the Shard. Minimum width of Irish Life logo within Shard is 25mm.
x x
x x
PENSIONS • INVESTMENTS • LIFE INSURANCE
x
x
x x
PENSIONS • INVESTMENTS • LIFE INSURANCE
x
Top Right
Top Left
x
x x
PENSIONS • INVESTMENTS • LIFE INSURANCE
x
Bottom Left
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x x
x x
PENSIONS • INVESTMENTS • LIFE INSURANCE
x
Bottom Right
We have developed a flexible grid system for best practice press layouts and to act as a guideline
PRESS APPLICATION
for the proportions of the branding elements to one another. The Shard is kept to 2/5 of the width of the press insertion in portrait press layouts. There are a number of options of placement depending on image use.
25 x 4 Press Ad
25 x 4 Press Ad
x = 1/5 w
x
x
x
PENSIONS • INVESTMENTS • LIFE INSURANCE
x
x
x
We know Irish life. We are Irish Life.
Fugias delenia num sum hitatis aut que nesedia sum solliquamus ullene porehen deniet, solut vel id ma voluptas voloressitat et ent
x = 1/5 w
x
We know Irish life. We are Irish Life.
x
x
x
x
PENSIONS • INVESTMENTS • LIFE INSURANCE
Fugias delenia num sum hitatis aut que nesedia sum solliquamus ullene porehen deniet, solut vel id ma voluptas voloressitat et ent
Example A
Example B
Shard placed bottom left.
Shard placed bottom right.
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x
We have developed a flexible grid system for best
OUTDOOR APPLICATION
practice outdoor layouts and to act as a guideline for the proportions of the elements to one another.
6 sheet The Shard is kept to 2/5 of the width of the 6 sheet. Image allowing, the Shard should be placed bottom left.
x = 1/5 w
x
x
x
PENSIONS • INVESTMENTS • LIFE INSURANCE
x
x
We know Irish life. We are Irish Life.
Fugias delenia num sum hitatis aut que nesedia sum solliquamus ullene porehen deniet, solut vel id ma voluptas voloressitat et ent
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x
OUTDOOR APPLICATION 48 sheet The Shard is kept to 2/8 of the width of the 48 sheet. Image allowing, the Shard should be placed bottom left.
x = 1/8 w
x
x
x
PENSIONS • INVESTMENTS • LIFE INSURANCE
x
x
x
x
x
x
We know Irish life. We are Irish Life. Fugias delenia num sum hitatis aut que nesedia sum solliquamus ullene porehen deniet, solut vel id ma voluptas voloressitat et ent.
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Here we see examples of our designs in a variety of formats, with different content and for a variety of
PROMOTIONAL FORMATS RETAIL
PENSIONS INVESTMENTS LIFE INSURANCE
UPDATE DECEMBER 2014
customers. The following samples show the tone and direction we are moving in with our Brand.
intouch first
CUSTOMER SATISFACTION
MULTI-ASSET PORTFOLIOS RANGE OF RETURNS
Each of the Irish Life Multi Asset Portfolio Funds (MAPS) has been developed to suit different attitudes to risk. These range from lower risk, Multi Asset Portfolio 2 (MAP2), which has a large percentage invested in cash and bonds to higher risk Multi Asset Portfolio 6 (MAP6), which is predominantly invested in shares.
CUSTOMER RISK RATING
CAREFUL
CONSERVATIVE
BALANCED
EXPERIENCED
FUND NAME
MULTI ASSET PORTFOLIO 2
MULTI ASSET PORTFOLIO 3
MULTI ASSET PORTFOLIO 4
MULTI ASSET PORTFOLIO 5
2
3
4
5
6
The CSI October YTD score increased slightly by 0.1% to 83.3%. This is ahead of target by 0.6%! Financial Planning Experience
7
ADVENTUROUS
VERY ADVENTUROUS
MULTI ASSET PORTFOLIO 6
target
88.8%
target
87.5% New Business
82% CSC (Phone and Post)
87.1%
As most of us know, investing in shares over long periods of time usually produces better returns than investing in cash or bonds. However, alongside these higher returns, investing in shares usually brings higher risk and the possibility that returns can vary considerably each year. Returns can even be negative over a given period of time, especially over shorter periods.
target
89%
84.1% CURRENT OVERALL SCORE
So while we might expect MAP6 to give a better return than MAP2 over long periods, we would also expect the returns on MAP6 to vary to a much greater extent than those on MAP2. The illustrations on the following pages show the possible returns you might expect over different time periods for each of the MAPS funds.
A5 Flyer Sample
83.3%
TARGET 2014
82.7%
Maturity/ Withdrawal
A4 Flyer Sample
target
target
78% Complaints target
59.8%
62.5%
Irish Life Assurance plc is regulated by the Central Bank of Ireland. ILA 10087 (REV 12-14)
A3 Poster Sample
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Online Services
79.8%
79.2%
79%
PROMOTIONAL FORMATS CORPORATE BUSINESS AND INVESTMENT MANAGERS
PENSIONS INVESTMENTS LIFE INSURANCE
PENSIONS INVESTMENTS LIFE INSURANCE
DEFINED CONTRIBUTION
INVESTMENT OUTLOOK 2015
MEMBER GUIDE
A4 Flyer Corporate Business
031/40 Group Version 1/February 2015
A4 Booklet Investment Managers
Consistent branding allows us to have a really powerful brand, and involves communicating in line with our core
POWERPOINT TEMPLATES PENSIONS INVESTMENTS LIFE INSURANCE
values across all aspects of our business. All Powerpoint presentations to external audiences should use these templates.
Retail and Corporate Business Powerpoint Presentations - both wide and normal presentation styles available.
PENSIONS INVESTMENTS LIFE INSURANCE
TITLE OF PRESENTATION
TITLE OF PRESENTATION
JANUARY 2015
JANUARY 2015
3
TITLE GENERIC TITLE OF A GENERIC IRISH LIFE PRESENTATION
• • • • •
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GENERIC TITLE OF PRESENTATION
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Investment Managers Powerpoint Presentations
All Word Template presentations to external or internal audiences should use these templates.
WORD TEMPLATES PENSIONS INVESTMENTS LIFE INSURANCE
WHY DO I NEED BUSINESS PROTECTION?
Anyone in business today wouldn’t think twice about insuring their business against loss from fire or theft. However, there are many other circumstances that can have damaging and lasting consequences for your business. Indeed, without the right kind of protection, your business, even your family’s finances, could be in financial ruin.
BUSINESS PROTECTION - A CLIENTS GUIDE LIFE ADVISORY SERVICES
WHY DO I NEED BUSINESS PROTECTION?
Anyone in business today wouldn’t think twice about insuring their business against loss from fire or theft.
ASK YOURSELF THE FOLLOWING:
How would your business survive if one of your key employees or shareholders became seriously ill or died suddenly? If your business partner died what would happen to their share of the business? How would you feel about a shareholder’s family joining your business if he died suddenly? If you died what would happen to your share of the business? Is your spouse/children in a position to take your place in the business? How will your family survive financially?
IF ANY OF THE ABOVE QUESTIONS ARE A CAUSE FOR CONCERN THEN MAYBE YOU NEED BUSINESS PROTECTION
IT WON’T HAPPEN TO OUR COMPANY!
There is very little in life of which we can be absolutely certain, but one fact is guaranteed, we are all going to die… some day. The one unknown, thankfully, for most of us are that we have no idea when this will be. However, the odds of one partner in a 2 or 3 man business dying or becoming seriously ill before retirement are probably a lot higher than you might think.
IT WON’T HAPPEN TO OUR COMPANY!
There is very little in life of which we can be absolutely certain, but one fact is guaranteed, we are all going to die… some day. The one unknown, thankfully, for most of us are that we have no idea when this will be. However, the odds of one partner in a 2 or 3 man business dying or becoming seriously ill before retirement are probably a lot higher than you might think. Odds of one dying or becoming seriously ill before 65
Odds of one dying before 65 AGE
SOLE TRADER
2 PARTNERS
3 PARTNERS
AGE
SOLE TRADER
2 PARTNERS
3 PARTNERS
35
13%
23%
32%
35
24%
43%
56%
40
12%
22%
32%
40
23%
42%
55%
45
12%
21%
30%
45
22%
39%
53%
50
11%
19%
28%
50
20%
36%
49%
(Source: mortality tables (AM92) Published by Institute of Actuaries (UK))
(Source: critical illness tables (IC94) published by Society of Actuaries Ireland
Odds of one dying or becoming seriously ill before 65
Odds of one dying before 65 AGE
SOLE TRADER
2 PARTNERS
3 PARTNERS
AGE
SOLE TRADER
2 PARTNERS
3 PARTNERS
35
13%
23%
32%
35
24%
43%
56%
40
12%
22%
32%
40
23%
42%
55%
45
12%
21%
30%
45
22%
39%
53%
50
11%
19%
28%
50
20%
36%
49%
(Source: mortality tables (AM92) Published by Institute of Actuaries (UK))
(Source: critical illness tables (IC94) published by Society of Actuaries Ireland
WHAT’S THE SOLUTION?
Many problems can arise for a business when a partner or key employee is out of the picture due to death or serious illness. Some of these problems could be alleviated with adequate financial planning to provide the funds to allow options and choices to be made by all parties. Arranging adequate Business Protection Insurance is the only way to ensure that the necessary funds will end up in the right hands at the right time, in a cost efficient manner, to ensure the continuity and the survival of the business.
Word Document A4 Sample - Front and Back
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How would your business survive if one of your key employees or shareholders became seriously ill or died suddenly? If your business partner died what would happen to their share of the business? How would you feel about a shareholder’s family joining your business if he died suddenly? If you died what would happen to your share of the business? Is your spouse/children in a position to take your place in the business? How will your family survive financially?
IF ANY OF THE ABOVE QUESTIONS ARE A CAUSE FOR CONCERN THEN MAYBE YOU NEED BUSINESS PROTECTION
However, there are many other circumstances that can have damaging and lasting consequences for your business. Indeed, without the right kind of protection, your business, even your family’s finances, could be in financial ruin.
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ASK YOURSELF THE FOLLOWING:
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WHAT’S THE SOLUTION?
Many problems can arise for a business when a partner or key employee is out of the picture due to death or serious illness. Some of these problems could be alleviated with adequate financial planning to provide the funds to allow options and choices to be made by all parties. Arranging adequate Business Protection Insurance is the only way to ensure that the necessary funds will end up in the right hands at the right time, in a cost efficient manner, to ensure the continuity and the survival of the business.
05/ GREAT-WEST LIFECO GROUP BRANDS
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Great-West Lifeco Inc. is an international financial
GROUP BRANDS
Using The Great-West Lifeco logo External communications • The Great-West Lifeco logo should not be used either on its own or dual branded with Irish Life in external communications to customers or financial advisers. • Great-West Lifeco should be referred to using words only.
Internal communications • The Great-West Lifeco logo should only be used for internal and corporate communications such as presentations. • The Irish Life logo should take primary position with Great-West Lifeco used as the supporting parent brand. 035/40 Group Version 1 /February 2015
services holding company with interests in life insurance, health insurance, retirement and investment services, asset management and reinsurance businesses.
Irish Life is our brand in Ireland and our logo should be used for all consumer and trade communications.
USING INFORMATION ABOUT GREAT-WEST LIFECO
The following copy should be used when referring to the relationship between Great-West Lifeco and Irish Life. No other form of words should be used without prior approval from Great-West Lifeco. As shown below the longer and full versions must always refer to www.irishlife.ie and www.greatwestlifeco.com because they refer to financial strength. They must also include the date.
Shortened version
Full version
For use where only a single sentence is required such as letterheads and compliment slips.
This gives more information about the customer benefits of being with Irish Life and is used on the “About us” page of our websites.
Irish Life is part of the Great-West Lifeco group of companies, one of the world’s leading life assurance organisations.
Established in 1939, Irish Life is Ireland’s leading life, investment and pension company. Since July 2013 Irish Life has been part of the Great-West Lifeco group of companies, one of the world’s leading life assurance organisations.
Longer version For use where more information is required about Great-West Lifeco, such as in product booklets and promotional leaflets. Established in 1939, Irish Life is Ireland’s leading life, investment and pension company. Since July 2013 Irish Life has been part of the Great-West Lifeco group of companies, one of the world’s leading life assurance organisations. Great-West Lifeco and its subsidiaries - including The Great-West Life Assurance Company which was founded in Winnipeg, Canada more than a century ago - have a record for financial strength, earnings stability and consistently high ratings from the independent credit rating agencies. The Great-West Life Assurance Company has an AA rating for insurer financial strength from Standard & Poor’s. Information correct as of <Date>. For the latest information please see www.greatwestlifeco.com.
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Great-West Lifeco and its subsidiaries - including The Great-West Life Assurance Company which was founded in Winnipeg, Canada more than a century ago - have a record for financial strength, earnings stability and consistently high ratings from the independent credit rating agencies. The Great-West Life Assurance Company has an AA rating for insurer financial strength from Standard & Poor’s. Irish Life is committed to delivering innovative products backed by the highest standards of customer service and, as part of Great-West, has access to experience and expertise on a global scale, allowing the company to continuously enhance its leading range of products and services. Information correct as of <Date>. For the latest information please see www.greatwestlifeco.com.
06/ CONSUMER PROTECTION CODE
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CONSUMER PROTECTION CODE As a regulated entity, Irish Life is subject to the Consumer Protection Code 2012 (CPC). The CPC aims to provide a consistent level of protection for all consumers of financial services and this is in keeping with Irish Lifeâ&#x20AC;&#x2122;s brand values and our mission. The CPC sets out various conduct of business rules including requirements for communicating and advertising financial products and services which apply to most of our marketing collateral. Each piece of communication is subject to Irish Life compliance sign off, however below is a good starting point when considering mandatory inclusions for marketing collateral and advertising.
Regulatory disclosure: All material prepared must include Irish Lifeâ&#x20AC;&#x2122;s regulatory disclosure statement, which should sit on a line independent of any other text: Irish Life Assurance plc is regulated by the Central Bank of Ireland.
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Other regularity disclaimers: As well as our regulatory disclosure line, there are various other requirements within the Consumer Protection Code which we need to adhere to. These include for example, font sizes and the placement and formatting of warning boxes when describing benefits of Pension, Savings and Investment products. For further details on the Consumer Protection Code, visit www.centralbank.ie and click on the Consumer Protection tab. You can also refer to Irish Life compliance guidelines for interpretation of the code.
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JUST ASK... In addition to using these guidelines, you can email: Brand@irishlife.ie to get further information or clarification.
Irish Life Assurance plc is regulated by the Central Bank of Ireland.
Updated Guidelines February 2015 ILA 9760 (REV 02-15)
Thank You ILA 9760 (NPi 09-12)