With almost all advisors now live on Smartr365, some of you will undoubtably have queries and questions whilst you familiarize yourself with the system.
There is significant support available to you as follows:
1) Smartr365 Q&A Drop in call 27th November 11am –book in HERE
2) Post Training Webinars – Without which you will not discover the full capabilities of the system:
Administration Live Call 28th November 11am Book in HERE
Prerecorded sessions can be found below:
Smartr Retain, Client/Introducer Portal -
JMD - Smartr Retain, Client/Introducer Portal
Admin Session
JMD - Admin Session
3) A dedicated Learning Library within My Learning Space (MLS)
This contains User Guides, Sales Quality Guidance, top tips, videos and much more. Visit HERE
Support Link
Video demo from new client to the jump to Concert:
Video demo guiding through generating a Suitability Report, navigating the application process and submitting the case on Concert Hub
In the first instance raise a question via the help bubble (bottom right as pictured below
This chat AI function has been answering around 60% of queries. If the query cannot be resolved a ticket can then be raised via the same function. This has a 1 hour SLA. If the issue cannot be resolved in this time you will be told.
If your query remains outstanding after 24hrs, you may then escalate via your Area Director. We will then escalate internally with Smartr365.
6) For issues/questions whilst using Concert
For issues or questions relating to Concert Hub only, please direct these to FIRST on 01793 567890.
Should you require 1 on 1 help in familiarisation of Concert Hub, Openwork are providing for a 45 minute 1 on 1 support session that you can book in with them HERE Multiple dates and times are available to you.
7) Weekly Smartr Communicator
A-Z of answers to Frequently asked questions and queries sent to your in-box every Friday.
We are here to help you with this transition, so Just Ask
Protection Proposition Webinars
Our Protection Providers are hosing two days of webinars to provide an overview of each proposition on 26th & 27th November
These sessions are ideal for new advisors seeking to understand the offerings or for existing advisors who wish to stay updated. Additionally the webinars are CPD approved!
Please note that some sessions require advance Registration (marked “R”)
Tuesday 26 November
Time Provider Link (each event is 30 minutes) 9:00am Aviva Aviva 26 November 9.00am (R) 10:00am Vitality Vitality 26 November 10.00am (R)
11:00am MetLife MetLife 26 November 11.00am 1:00pm Paymentshield Paymentshield 26 November 1.00pm
2:00pm Legal & General Legal & General 26 November 2pm (R)
4:00pm Cura Cura 26 November 4.00pm (R)
Wednesday 27th November
Time Provider Link (each event is 30 minutes)
9:00am Zurich Zurich 27 November 9.00am
10:00am iPipeline iPipeline 27 November 10.00am (R)
11:00am The Exeter The Exeter 27 November 11.00am (R)
12:00pm Usay Compare Usay Compare 27 November 12.00pm
1:00pm Royal London Royal London 27 November 1.00pm (R)
2:00pm LV= LV= 27 November 2.00pm (R)
3:00pm Guardian Guardian 27 November 3.00pm
Join The Exeter on Thursday December 5 at 12.00pm
for an insightful and practical session. Nick Clifton, Customer Experience Manager at Swiss Re, will join Jamie Page, Head of Protection Distribution, to discuss how behavioural economics can help you get more from protection conversations
By the end of this session, you’ll have a good understanding of: -
The core principles of behavioural economics and how they can be applied to protection conversations
Techniques to better understand and influence client behaviour
Real-world examples to illustrate key concepts and practical takeaways that you can apply straight away
Aviva make Critical Illness & Fracture
Cover enhancements
For their CI cover, they believe the enhancements represent the first step of bringing elements of the AIG proposition to Aviva. Fran Bruce, Aviva Protection MD says, "These changes not only represent a valuable addition to the cover we offer our customers and their children, but it is also an important first step in bringing the propositions of Aviva and AIG closer together."
CIC enhancements include a new and improved Pregnancy complication definition and an upgraded Childrens CIC benefit that now includes new conditions and increased levels of death benefit under this CIC option.
And for fracture cover, 11 of the 18 bone fractures covered under the product will see increased payouts, with seven fractures now eligible for the highest payout amount of £6,000. This development means that the value of payouts is increasing by an average of 38%.
Full details of the changes are in the documents below. If you need any more information please get in touch with your usual Aviva contact.
Aviva Fracture Cover Changes Nov 2024
Updated: Protection Presenter
In conjunction with Openwork, The Personal Protection Presenter has now been updated and includes revised state benefits for 2024/5, new market facts and figures, new and additional claims stories, full ABI 2023 claims statistics and updated pricing examples.
The presenter is dynamic and with clickable links that only take you to the area you wish to cover, this is a powerful sales aid!
If you don’t use a presenter currently or have the old version, we would highly recommend this new presenter to support your protection conversations, help you overcome the common objections and highlight key protection benefits.
Porting with Leeds Building Society is now easier!
To help you with porting, Leeds Building Society have improved their website and created editable fields to simplify the process!
Check out the new webpage and editable forms:
1. New porting webpage
Now there’s everything you need to know about porting all in one place, on the Society’s dedicated porting webpage.
On the webpage you’ll find:
A step-by-step guide to supporting a porting application
Frequently Asked Questions
Supporting information such as benefits of porting and key information and criteria.
2. Editable application forms
You can now edit key porting application forms and simply email them over to the Society - meaning you and your clients could get a decision quicker.
You can edit and email the following forms:
Mortgage Decision in Principle form
Intermediary Mortgage Application form
For full information on porting and all of the necessary forms, visit their porting webpage
Halifaxmake improvementsto GreenLivingReward
What’s new?
Halifax are adding an additional benefit to their Green Living Reward. All customers who successfully claim a cashback reward will qualify for a free Energy Performance Certificate (EPC) assessment.
The free EPC assessment will help customers understand the impact of the changes they’ve made as well as suggest further ways they can continue to improve their energy-efficiency.
Halifax’s Green Living Reward means customers who are making certain energy-efficiency improvements to their property like insulation, windows, solar panels or a heat pump within 12 months of their completion can claim a cashback amount of up to £2,000, helping to alleviate the high upfront costs of improvements that can reduce household energy bills.
Who qualifies?
Any customer making a new purchase, remortgage, further advance (FA) or product transfer (PT) application from 31 July 2024 is eligible for the Green Living Reward and all customers successfully making a claim will also be entitled to a free EPC assessment.
As a reminder there is no minimum EPC rating for the customer’s property for them to be eligible for the Green Living Reward cashback.
Customers will need to hold a Halifax current account when they make their claim.
How does the customer receive the EPC assessment?
When a customer receives email confirmation of their successful Green Living Reward claim and cashback payment, the email will include details of the free EPC offer. The customer will have 3 months from then to schedule in the EPC assessment.
How to claim the cashback?
All customers will be sent an email when their application is offered advising them of the reward with a link to the Green Living website where they can find out more information and log onto their Green Living journey.
Halifax encourage customers to log onto their digital Green Living journey straight away and agree to receive reminder emails ahead of their reward’s 12 month expiry date. This will ensure that if they do wish to carry out eligible home improvements, they don’t miss out on the potential cashback available.
More information at the Green Living Reward can be
found HERE
BMSolutionsMaximumLTV increaseto80%
What is changing?
For new applications from 22 November, BM Solutions are increasing their maximum loan to value (LTV) to 80% for specific applications, including fees, for purchases, remortgages, and further advances.
Key information – The following applies to the maximum 80% LTV change:
• Maximum loan £350,000
• Minimum EPC rating A-C
• The loan cannot exceed 80% LTV including any fees being added to the loan
• This change also applies to further advances and product transfers
• 80% LTV products will be launched on 22nd November
