R05 - Financial Protection

R05 - Financial ProtectionFinancial Protection - R05

Please note that our R05 material is suitable for exams up to 31st August 2014 and is available as an MP3 download by clicking on the Buy Now button below.  Material will be updated over the summer for exams post 1st September.





On Download J01

Price: £41

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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.


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