Protection
The most profitable thing the firm sells, and the one nobody has a list for.
Attach rate
28%
−3pt on last year
Completing unprotected
61
No recorded conversation at all
Gap to a 65% attach rate
£247k
589 policies at £420 average
Conversations held, not sold
312
Perfectly good outcome
This screen is not a sales dashboard. A client who is offered cover, understands it and declines is a good outcome and closes the case cleanly. A client who was never asked is a revenue gap and a Consumer Duty question at the same time. The number that matters is conversations recorded, not policies sold.
Attach rate by adviser
Policies placed as a share of completions · firm average 28%
| Adviser | Completions | With cover | Attach |
|---|---|---|---|
| Jamie Dunlop | 135 | 69 | 52% |
| Ruth Kilbride | 114 | 47 | 41% |
| Hannah Boakye | 148 | 38 | 26% |
| Simi Oyelaran | 126 | 24 | 19% |
| Paul Wetherby | 141 | 13 | 9% |
Paul writes the second-highest volume and has the lowest attach rate in the firm — that gap alone is about £11,000 a year. Across all fourteen advisers, moving from 28% to a realistic 45% is worth roughly £114,000. It is a coaching conversation rather than a systems problem, but the firm needed this list to know that.
Where the gap is
61 completions with no recorded conversation, by client circumstance
Sole earner with dependants18
Self-employed, no sick pay15
First-time buyers, no cover at all13
Loan increased by more than 40%9
Other6
Thirty-three of the sixty-one are sole earners or self-employed with dependants. These are the households where a missed conversation is not a lost commission, it is a family with a mortgage and no plan.
Completing in the next 30 days without a recorded outcome
Showing 9 of 61 — ordered by how soon it stops being possible to have the conversation
| Client | Circumstance | Adviser | Loan | Completes | Est. value | Outcome |
|---|---|---|---|---|---|---|
| T. Nwachukwu | Sole earner · 1 dependent | JDJ. Dunlop | £248,000 | 20 Aug | £540 | Never asked |
| G. Amankwah | Self-employed · no sick pay | PWP. Wetherby | £196,500 | 24 Aug | £610 | Never asked |
| L & S Mottram | First-time buyers · no cover | PWP. Wetherby | £174,000 | 28 Aug | £480 | Never asked |
| D. Ferrers | Sole earner · 2 dependants | SOS. Oyelaran | £312,000 | 2 Sep | £720 | Never asked |
| K. Osunde | Joint · both employed | PWP. Wetherby | £264,000 | 4 Sep | £430 | Booked 18 Aug |
| Whitcombe & Rae | Joint · one self-employed | SOS. Oyelaran | £388,000 | 7 Sep | £690 | Booked 19 Aug |
| A. Lindqvist | Sole · no dependants | RKR. Kilbride | £142,000 | 9 Sep | — | Declined · recorded |
| M. Threlfall | Has cover elsewhere | HBH. Boakye | £208,000 | 11 Sep | — | Declined · recorded |
| P & D Raghunathan | One self-employed · 2 dependants | HBH. Boakye | £329,600 | TBC | £480 | Partial · revisit IP |
A case cannot be marked complete without an outcome in the last column. "Declined, reason recorded" closes it perfectly well — and it is the answer the network's file check is looking for.
Clawback exposure
Commission is repayable if a policy lapses inside the provider's clawback window — usually in full for the first year
5 at risk now
Policies in the window
1,204
Written in the last 48 months
Clawed back, 12 months
£14,900
38 policies lapsed
At risk right now
£2,515
5 policies
Average warning
0 days
Found out on the provider statement
| Client | Policy | Inception | Months in force | Commission | Repayable | Signal |
|---|---|---|---|---|---|---|
| T. Aleshinloye | Life & critical illness | Mar 2026 | 5 | £680 | £680 | Direct debit failed twice |
| N. Farrell | Income protection | Jan 2026 | 7 | £540 | £540 | Premium missed in August |
| The Brightling family | Level term life | Nov 2025 | 9 | £410 | £410 | Lapse notice from provider |
| K. Mensah | Life & critical illness | Jun 2025 | 14 | £720 | £510 | Direct debit failed |
| D. Ojo | Income protection | Feb 2025 | 18 | £600 | £375 | Mail returned, address unknown |
A failed direct debit is not a cancellation. It is a fortnight's warning, and usually a phone call away from being fixed.
Today Ashvale learns about a lapse when the provider statement arrives — sometimes a quarter later, with the money already taken back. The signals above all exist before that: a bounced payment, a returned letter, a lapse warning. Nobody is collecting them, so nobody rings the client while the policy can still be saved.