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Financial Protection - R05
Please note that our material has been updated. The R05 download material for the 2012/13 syllabus (examined post 1st Sept) is now available by clicking on the "Buy Now" button below. CDs are no longer available.
On Download 
Price: £40
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Size: 13 modules, approximately 4 1/2 hours of material
Download time: approx 6 minutes over high speed broadband
Please note: After purchase you will receive an email that includes the download link. If this doesn't appear in your inbox within a few minutes please check your spam folder.
| Module 1 (11 minutes) R05: the exam and preparing for it |
Regulated Diploma exam structure . The R05 exam . multiple-choice questions . exam preparation . seven golden rules for the exam |
| Module 2 (14 minutes) Market factors and trends in financial protection planning |
Impact matrix . consumer attitudes towards financial protection . health and longevity trends . the five trends on design and pricing of protection products . advice and protection products |
| Module 3 (14 minutes) Financial protection needs |
The eight main types of financial protection cover. five main protection needs . why take out life assurance? . the impact of divorce . assets and liabilities . state support and employer benefits |
| Module 4 (19 minutes) State benefits |
Means testing and non-contributory . bringing up children: child benefit and child tax credit . low incomes: income support, support for mortgage interest, jobseekers allowance, and working tax credit . the sick and disabled: statutory sick pay, employment and support allowance, attendance allowance, disability living allowance and carer's allowance . older clients: basic state pension, SERPS, S2P, pension credit and bereavement benefits |
| Module 5 (33 minutes) Life assurance |
Term and whole of life policies . arranging policies . natural and level premiums . underwriting life assurance . non-disclosure . claims: maturity, death or surrender . suicide and lost policies . life policies written under trust . assignments |
| Module 6 (18 minutes) The taxation of protection policies |
Qualifying versus non-qualifying policies . the taxation of on-shore and off-shore policies . chargeable gains and life policies . inheritance tax and life assurance |
| Module 7 (18 minutes) Income protection insurance |
The features of income protection . definition of incapacity . exclusions . underwriting . claims . taxation . group schemes |
| Module 8 (11 minutes) Critical illness cover |
Different types of policy . market developments . premiums . claims and underwriting . the use of trusts. |
| Module 9 (30 minutes) Long term care insurance |
What is long term care? . state funding of care . the different types of care . immediate needs annuities . pre-funded insurance . pre-funded investment schemes . equity release . LPAs . viatical settlements . the LTC planning process |
| Module 10 (15 minutes) Insurance-based protection products |
Personal accident and sickness . private medical insurance . hospital cash plans . dental plans . mortgage protection insurance . accident, sickness and unemployment insurance |
| Module 11 (18 minutes) Personal protection solutions |
12 factors to take into account . attitude to risk and affordability . quantifying life cover . quantifying disability and health assurance . redundancy planning . documentation requirements . reviews |
| Module 12 (18 minutes) Business protection |
Keyperson . share protection insurance . partnership protection . business loans |
| Module 13 (21 minutes) Crammer Module |
This consists of the summaries of the previous modules. |