When you have collated all the information you need for giving Insurance cover recommendations, including your client's Fact Find, Needs Analysis and existing cover - then you are ready to make some Cover amount recommendations! 🎉

This article will go through the Recommended Cover section in an Insurance Advice Opportunity - and what you need to do to give cover recommendations, edit this and reflect any variations (yours or your client's).

The table on the Recommended Cover page displays the selected Cover areas (e.g. Life, TPD, Trauma) from the Nature & Scope page, which is then further detailed in terms of the cover areas the client wants in the Needs Analysis sections:

When you first arrive on the page, you may need to select "Calculate Cover from my Settings" in order to load the page. This table will flow through to your generated SOA document.

If you select "Input my own recommendations", then you can skip straight to compiling your Statement of Advice document, as this means that the cover level pages in your SOA will have blank tables and sections for you to manually enter your own calculated cover amounts 👍

It will then make cover calculations based on the Fact Find information, plus the selections in the Needs Analysis and considers the client's Existing Cover and your customizable Cover Level Settings aswell.

Trail then uses the premium calculators for Partners Life and Asteron to estimate what the total premium cost for the client will be. These will adjust if you further edit the recommended cover amounts.

From the "Refine Cover" popup modal, you can either make changes to the calculated level of cover as the adviser, or enter the Cover Portal if you are going through the cover with your client to make further variations.

Clicking on any of the figures under each section, or on 'Refine Cover' above the table, will take you to the editing page. From here, you can make changes to the cover calculated by the software.

You also have the ability to edit the descriptions within each cover item to help explain to the client what each section means.

If you don't think your client should continue moving forward with a specific cover type, in the summary at the bottom of each cover type you can select to exclude that cover type for the client.

If you have selected to exclude a specific cover type, you'll be asked to enter a reason for the exclusion. This reason with appear in the client's Statement of Advice document.

Once you are happy with the suggested level of cover and you are with the client in person, it's easy to make client variations.

In most cases, your client will want to make a variation to the cover that has been recommended. Instead of going away, writing up their variations, and bringing them back to the client in a second meeting, Trail allows you to vary the recommended cover with your client on the spot, to save you both time.

To do this, click the green 'Enter Portal' button at the top of the page. 

This will take you to the Cover Level Portal, where you'll be taken to a summary of the clients' recommended cover.

From here, you and your client are able to edit the cover levels the client believes are too low or high. To update these levels, simply click on the number you'd like to change, and overwrite this. If any numbers have been changed from the original, the cell will turn orange. You'll want to go repeat this with each cover type that has been recommended.

If any variations have been made, you'll be able to note the reason for the variation.

At any stage, if you need to record any notes of something a client has said, there is a section at the bottom of each cover page that allows you to write down notes.

Once you and your client have updated all the cover levels to best suit their needs, going back to the application editor will show the updated recommended cover for the clients.