Michelle Hoskin on Striving for WOW and Operational Excellence – MPAF22

Striving for WOW.

Changing the world one financial adviser at a time.

This is how my guest today describes her mission to introduce operational excellence standards into adviser firms in the UK.

Michelle feels the key and magic ingredient to turn financial services into a true profession is having the ability to consistently deliver quality in everything that we do. A strong cultural approach where everyone knows the business mission, internal and external clients’ needs and how to deliver amazing service.

You might have seen Michelle speak at adviser conferences or watched her YouTube videos.

Hear her boundless enthusiasm for excellence and how achieving International Certification will reignite the WOW factor and transform your business.

Listen to how you could stand out from the competition with BS 8577 and ISO 22222 the only quality standards for financial advice and financial planning.

My guest on Episode 22 of the Marketing Protection and Finance Podcast is Michelle Hoskin.

Michelle Hoskin on Striving for WOW and Operational Excellence - MPAF22

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Who is Michelle Hoskin?

She is the founder and director of Standards International Ltd the UK’s leading and only UKAS accredited certification body specialising in training, assessment and certification to BS 8577 and ISO 22222 standard. This is the British Standard for financial planning.

She’s always believed that the only way to change the future of the financial services is to strive for continual professionalism and best practice among financial planners in the UK and overseas.

Advisers clients’ needs stay at the core of their business and that is why Standards International continue to look for new ways of adding value to their businesses to support them both now and in the future.

Michelle’s Contact links:

Michelle’s other interesting links:

Michelle’s Favourite Companies/People:

Michelle’s favourite books:

Start With Why by Simon Sinek.

 Necessary Endings by Dr Henry Cloud.

Thrive by Arianna Huffington.

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Caroline Hawkins on Critical Illness Cover and Business Protection – MPAF21

If you’d spent seven years fighting an insurance company for a critical illness claim payment would you have become a passionate advocate for the product?

My guest today is a financial adviser who dealt with just such a prolonged claim.

Rather than put her off protection insurance, Caroline says the experience created a passion for protection. Now she focusses on protection advice. Particularly critical illness cover and business protection.

Caroline uses compelling stories to convince her clients of the need for protection insurance.

My guest on Episode 21 of the Marketing Protection and Finance Podcast is Caroline Hawkins.

Caroline Hawkins on Critical Illness Cover and Business Protection

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Who is Caroline Hawkins?

Caroline works for Direct Finance Solutions Ltd.

She’s an experienced, fully qualified, independent adviser specialising in Business Protection including tax-efficient Life Cover, Key Person cover and Shareholder protection; Personal Protection including Life Cover, Critical Illness Cover and Income protection; Large Loan Mortgages including International Mortgages and Buy-to-Let portfolios.

Her aim is to help people and corporate clients take control of their finances in a friendly and professional way whilst bringing financial peace of mind. Like many financial advisers, Caroline concentrates on building long-term relationships with her clients.

Listen to Caroline’s stories about critical illness cover and business protection. Hear her opinions on whether protection is too complex and where the products should go in future.

Caroline’s links:

Caroline’s favourite book:

Tuesdays with Morrie by Mitch Albom.

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Andrew Gething on Changing Protection Underwriting – MPAF20

Underwriting gets a good deal of bad press. But is it justified?

In the advised protection market the consequence of price competition on term assurance and critical illness products is tighter underwriting, more medical evidence and more ratings.

Online applications and tele-underwriting can help speed up the process but clients face disappointment when they find their premium is higher than originally quoted.

Is it time we changed the way we quote for protection products so we do not raise client expectations with cheap headline rates more people cannot obtain?

My guest today pioneered tele-underwriting in the UK and firmly believes that we need change. But what does “good” look like?

My guest on Episode 20 of the Marketing Protection and Finance Podcast is Andrew Gething.

Andrew Gething on Changing Protection Underwriting - MPAF20

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Who is Andrew Gething?

Andrew is founder and MD of Morgan Ash.

Before that, he was a Chartered Structural Engineer and entrepreneur starting several other companies one of which was an IT specialist.

In his spare time, Andrew is currently walking all the Wainwrights – that 214 hills in the Lake District of which he has only 22 more to do.

Hear Andrew’s views on the current relationship between quoted premium rates and the final rates we offer after underwriting. Listen to his proposed solutions on how we can change underwriting from the current sometimes painful process to a valuable individual assessment.

Andrew’s links:

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