Access to expertise, based upon a growing knowledge of the product providers underwriting criteria. This will increase the chances of success in a very difficult market. A less time consuming, less costly and much speedier service. The mitigation of compliance and legal attack by passing an irregular activity over to a specialist company. The potential for more competitive terms for the non-standard client and higher case completion rate for the IFA. Enhanced client satisfaction The ability to develop new opportunities with clients who regard themselves as uninsurable and thus self-exclude. The creation of the potential for other products e.g. income protection or critical illness cover for clients who receive favourable rates on term or whole of life, via SRB. The ability to capitalise on positive national PR. The creation of a centre of excellence for this class of business Another target market in respect of professional connections.