Short Term or Full Term IP: It’s Not Either/Or

Why do so many advisers default to short-term income protection… even when the client’s need clearly isn’t short-term?In this episode of Let’s Talk Income Protection, Stevie and Matt unpack one of the most common patterns in protection conversations. Not from a product point of view, but from a behavioural one.They explore why short-term often becomes the default, from fear of price and pushback to the temptation to secure an easier “yes”. More importantly, they show how to shift the conversation back to what really matters: how long the client actually needs their income for.This isn’t about saying full-term is always right or short-term is wrong. It’s about making the decision deliberately, based on the client’s situation, not the adviser’s assumptions.If you’ve ever found yourself leading with a shorter-term option without fully sense-checking the need, this episode will help you approach that decision with more clarity and confidence.Links from today’s episode:Protect your everyday – The Building Blocks of Life - The IPTF’s animated consumer video, designed to help advisers explain as part of their regulated advice process, what income protection is and why it matters when an income is lost.📣 For More Education, Collaboration and Insight:IPTF WebsiteIPTF on LinkedInIPTF on YouTubeIP Task Force on InstagramIPTF on TikTokProduced and edited by SEA Studios