The Exeter
Our purpose is to protect more people in a more uncertain world. We achieve this by ensuring our cover is accessible to more of your clients through products that can be tailored to meet their needs.As a proud mutual, our members and advisers are at the heart of everything we do. You can expect award-winning propositions, service, and business support, plus continued investment from us to deliver an exceptional experience for both you and your clients.
Products
Our multi award-winning proposition provides you with a range of products to meet your clients’ needs, including:
Income protection
Our Income First provides income protection for a wide range of occupations, from office-based professionals to manual workers and skilled trades.Why Income First?
- Level premiums available to all occupations with a four week or longer waiting period
- Assess claims against your client’s own occupation regardless of what they do for a living and how long their claim lasts
- Option to fix 100% of your client’s monthly benefit, up to £7,500 per month
- No routine medical evidence for clients below age 42
- Redundancy premium holidays for up to three months to help clients get back on their feet without losing valuable cover
Life insurance
Our Real Life product is suitable for more of your clients, from those with minimal pre-existing health conditions right through to those with serious or multiple medical conditions. Real Life is also available as part of our multi-benefit offering alongside our income protection product, Income First.Why Real Life?
- Available as joint or dual life policy, offering more flexibility for you and your clients
- Beneficiary Nomination option for clients to select who they would like to receive their benefit without the need for a trust
- A forward-thinking joint life separation option to ensure clients are protected after relationship breakups
- We can rate up to 600% meaning we can offer cover to more people
- Redundancy premium holidays for up to three months to help clients while they look for new work
Support for your clients
Our HealthWise app is free for members and their immediate family, giving convenient access to expert medical advice and treatments, including:
- Unlimited remote GP appointments
- Expert second medical opinions
- Physiotherapy
- Mental health support
- Lifestyle and nutrition consultations
- Registered dietitian consultations
- An annual health MOT (for policyholders only)
- Repeat NHS and private prescriptions.
Find out more.
Support for you
To support you in your client conversations our adviser toolkits provide you with all the tools and resources you need to discuss protection with your clients, including:Income protection
- Income risk calculator
- Revising protection tool
- Suitability letter editor
- Client approach email wording
- Case studies
- Sales aids, research and insights
- Medical limits tool
- Revising protection tool
- Suitability letter editor
- Benefits of trusts
- Sales aids, research and insights
Or our adviser knowledge centre contains a wealth of useful content to help you with your CPD learning with access to:
- Research reports
- Webinars
- Insights
- Videos
- Product literature
Contact us
Adviser support:
E: [email protected]T: 0300 123 3203
Underwriting:
E: [email protected]T: 0300 123 3203
Links
- The Exeter website
- Income first toolkit
- Income risk calculator
- Knowledge centre
- Key contacts
- Book an online briefing
- Literature
How to Register
If you are setting up agencies for the first time with providers
Click here to register with the Exeter. This gives you the option to register as directrly authorised or an appointed representative firm. The Exeter's system uses a firm's FCA number, and will automatically link firms to networks and advisers to the firms.If you are an adviser to a firm that already has agencies
Click here to register as an individual adviser. The Exeter's system will link you to your firm's master agency via the FCA number.If you have applied for an agency and need to be setup on a provider’s online system
Following the application, you will receive an email listing your username and a link to set up the password.
THIS SITE IS FOR PROFESSIONAL INTERMEDIARY USE ONLY AND NOT FOR USE BY THE GENERAL PUBLIC.
Useful Links
Paradigm Protect is a trading name of Paradigm Mortgage Services LLP
Office address: 1310 Solihull Parkway, Birmingham Business Park, Birmingham B37 7YB
Paradigm Mortgage Services LLP is registered in England and Wales. Company No: OC323403. Registered Office: Paradigm House, Brooke Court, Lower Meadow Road, Wilmslow, SK9 3ND
Paradigm Mortgage Services LLP is a Limited Liability Partnership.