Get ready to take off

with Air Club

 “ With Air Club, we benefit The later life lending market is one that is increasingly being
seen as a major growth sector. We know in the UK that

from being part of a pension provision is declining as we see a future of hugely

underfunded money purchase arrangements, and the

collective group and have

decline in final salary defined benefits schemes. Income
and capital demands, as well as differing needs, are evolving

all the help we need at our

from an age group that now enter retirement as a 20-plus
year journey.

fingertips to give the best As a result of this economic and societal evolution, more people are considering
property wealth to help support their financial goals in later life, such as care

advice for people in later life.”

costs, home modifications and inter-generational family gifting. This, in turn, is
driving new challenges and opportunities for the advising community both now,
and for the future.
Since 2007, Air Club has been a voice for advisers, driving commercial benefits,
Paul Saroya, Viva Retirement Solutions training, technology and innovation for over 8,000 members. We provide
resources and support for more than 10,000 cases each year, equating to better
outcomes for your clients as well as extra commission for you.
Last year, our members received more than £29m in commission, £3.8m above
what would have been earned by dealing direct with lenders.
Our services laid out in this brochure will ensure you get the best options and
products for your business needs, and we are always listening and engaging
with our members to ensure we drive forwards and evolve together.
So, whether you write one later life lending product a year, or one a day,
Air Club is here to support you.
Stuart Wilson, CEO

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 Welcome to the Club It pays to be a member
Air Club is the largest adviser-centric membership scheme in the UK later life
lending market and free to join, with more than 8,000 members across the country.
Air Club gives you:

It’s your accessible gateway to increasing levels of competitive advantage,

business growth and profitability; enabling you every step of the way to secure
better outcomes for both you and your clients.

As an Air Club member, you unlock access to the latest market-leading

technology, significant commercial uplifts and a unique rewards structure, as well
as on-demand help and support from subject matter experts. The opportunity to Free access to Air Your loyalty is
earn more as you Sourcing rewarded
And as you increase your expertise and volume, you can access greater rewards grow
through our whole-of-market Elite or panel-based Select tiers, both of which
ensure the more you grow, the more you earn. Access enhanced The most sophisticated As your business grows
procuration fees and later life lending and you submit more
Through your free membership, you also gain exclusive access to products and exclusive product deals sourcing tool, you gain cases through Air Club,
deals from a variety of lenders and partners; providing greater scope for business as you earn more by free access to cutting- you could earn even
growing your business edge technology more in commission
development and enhanced rewards for volume and professionalism.
volume through our designed to make your and rewards.
tiered membership life easier.
In fact, it really pays to be a member of Air Club. In 2021 alone, our members levels.
received more than £29m in commission, £3.8m above what would have been
earned by dealing directly with lenders.

! Make sure your submission route is set to Air with all later life lenders

Personalised A route to A voice in the

support every step accredited training market
of the way and qualifications

£3.8m
The Air Club Adviser Access one of the market’s We fight your corner

Air Club is Helpdesk and live chat leading sources of London at every step, using

FREE
function offer support Institute of Banking and our size to amplify the
from a dedicated team Finance- accredited voice of every member
of experts who are on training through Air through bespoke

extra commission
hand to answer all your Academy, helping you research and lender
questions. develop and grow your service reports.

to join earned in 2021

advice proposition.

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Air Club gives you the opportunity
to earn more as you grow

Club Platinum Elite Select

Available and free to use

Complete a minimum Limited panel proposition.
for all FCA regulated Firms to be approached
of six cases per year Invite only
intermediaries

Enhanced commission rates Up to 0.2% higher commission* Up to 0.4% higher commission* Up to 0.6% higher commission* Up to 1% higher commission*

Full access to Air Sourcing

Access to exclusive products and deals

Access to Adviser Helpdesk and live chat

Access to WriteRoute

Free access to State benefit software entitledto

Free access to Air Academy

Free Knowledge Bank access

Dedicated help inbox

Access to Marketing Hub

Bespoke Air Sourcing dashboard

*vs going direct to lender

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 Start your advice journey
Air Club gives you personalised with WriteRoute
support every step of the way Work through your advice process seamlessly from end to end and
deliver the right outcomes for your clients with Air’s enhanced fact-find,
suitability report and KFI creator, WriteRoute.
As an Air Club member, you have access to unrivaled support from our
dedicated, expert support team.
Fact-find
STEP
01
Use our enhanced fact-find to gather all the
Expert case support information you need to start your client’s
Struggling with a tricky case or have been rejected elsewhere? Our team will later life lending journey
use their specialist knowledge of the later life lending market to help you identify
the best lender for your client’s needs, including the latest product updates State benefits check STEP
02
and preferential rates. Complete a State benefits check in
minutes using the entitledto tool
Available anytime, anywhere
The Adviser Helpdesk is manned by industry and sector experts. Our live chat
STEP Product sourcing
03
function enables you to get instant answers for those difficult cases from
anywhere in the world. Source from the widest range of later life
lending products on any UK sourcing system

Getting the most from your membership

Your membership gives you access to a wide range of market-leading tools and Compare lenders STEP
support. Our Adviser Helpdesk is on hand to ensure you’re getting the most out
of your membership and can talk you through all the features available to you.
Compare later life products against
all lenders’ detailed criteria 04
Enhanced case support through Enquiries STEP Request KFIs
05
Our enhanced Enquiries process allows you to receive quick responses to case
Request KFIs from multiple
queries direct from lenders. An audit trail is saved in your account to support your lenders in one go
advice process.

We’re always on your side Suitability report STEP

Through your Air Club membership, you have access to regular market research to
help develop your business’ growth and efficiency, including the Later Life Census
Simply select a product and our system will use the
fact-find template to populate your suitability report 06
and ongoing Lender Temperature Checks to ensure you and your clients secure
the best outcomes.
STEP Get enhanced procuration fees
There are also regular webinars to support your ongoing professional
development, the chance to have your say on the direction of the market 07 Choose Air Club as your submission route for an enhanced
procuration fee of up to 0.75% with some lenders
as well as close links with trade bodies, such as the Equity Release Council.
Aftercare
Air’s WriteRoute will allow you to give your clients a smoother,
slicker advice journey. All steps are stored in your account safely
Get in touch to find out more: 0800 294 5097 | airlaterlife.co.uk and securely for future reference or for your compliance team.

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 Introducing the new Air Club
At Air, we consistently listen and engage with our Club members to ensure
we drive forwards and evolve as one. More opportunity
Through the new Air Club, there’ll be more opportunities for you to grow and
It’s a partnership that has been instrumental in the rapid growth of the later life develop your later life lending business, whether that’s through the choice of
lending market, the continued improvement and expansion of the Air platform, either a tied or whole-of-market lending proposition to suit your business,
and one which allows you, as an adviser, to provide your clients with a wider and or access to more exclusive tools and services as you progress through the
more efficient selection of financial solutions to better suit their individual needs. reward tiers.
Through continued development of our technology, tools and rewards structure,
we’re on the brink of relaunching a new and improved Air Club; one which will
further help you increase your levels of competitive advantage, business growth
and profitability.
So, in anticipation of our exciting relaunch, here’s a sneak peek at what you can
expect from your new Air Club.
Better rewards
Speaking of rewards, there’ll be greater rewards for your loyalty and
professionalism, championing both your lending volume and experience
with exclusive deals and enhanced procuration fees.

Access to more
And finally, you’ll also have access to a wider range of personalised support
from the UK’s largest later life lending club to help enhance your services and
achieve better customer outcomes.

Get in touch to find out more: 0800 294 5097 | airlaterlife.co.uk

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Join more than 8,000 other members
who are already taking advantage of
Air Club’s market-leading benefits.

JOIN FOR FREE NOW

Speak to us to find out more about maximising your

Air Club membership and learn how it can help improve
outcomes for both you and your clients.

0800 294 5097

airlaterlife.co.uk

This is intended for intermediaries only

and has not been approved for customer use. CL329 (05/22)