Stop Failing Replacement Business Reviews
Transform your replacement business compliance from reactive firefighting to proactive governance. Our comprehensive toolkit delivers everything you need to meet FG12-16, COBS 9, ICOBS 5, and Consumer Duty requirements.
Why Firms Struggle
These common challenges leave firms exposed to regulatory action and customer harm.
Inconsistent Documentation
Advisers document replacement rationale differently, making file reviews inconsistent and audit responses painful.
Unclear Cost Comparisons
Without standardised templates, cost-benefit analysis varies wildly, failing to demonstrate fair value under Consumer Duty.
Reactive Compliance
Issues only surface during audits or complaints, when remediation is costly and reputational damage is done.
No MI or Oversight
Senior management can’t evidence oversight because there’s no consistent data capture or Board reporting framework.
Time-Consuming Reviews
File checkers spend hours assessing each case because there’s no structured checklist aligned to regulatory requirements.
FCA Scrutiny Risk
FG12-16 remains a supervisory priority. Firms without robust frameworks face s.166 reviews and enforcement action.
Your Complete Compliance Solution
Our toolkit provides everything you need to build a robust replacement business framework—from adviser checklists to Board reporting.
- Self-Assessment Framework — Diagnose gaps across all four pillars of replacement business compliance
- Adviser Capture Forms — Structured data capture for investments and insurance switching
- Cost Comparison Templates — Standardised analysis meeting FG12-16 and Consumer Duty fair value requirements
- Suitability Wording Bank — Pre-approved rationale statements organised by scenario type
- MI Dashboard & Governance — Track KPIs and report to your Board with confidence
- FCA Engagement Pack — Be ready for supervisory visits with document index and response templates
📁 What’s Included
- Health Check Self-Assessment
- Replacement Business Checklists
- Cost Comparison Template
- Decision Trees & Quick Reference
- Data Capture Forms
- Suitability Wording Bank
- File Review Checklist
- MI Dashboard & Governance Framework
- FCA Engagement Pack
Choose Your Pack
Select the level of support that matches your firm’s needs and complexity.
Foundation Pack
Core tools for adviser-level compliance
One-time purchase
- Health Check Self-Assessment
- Replacement Business Checklist (Investments)
- Replacement Business Checklist (Insurance)
- Cost Comparison Template
- Decision Tree Framework
- Quick Reference Guide
- Implementation Guide
- Regulatory Summary Sheet
Complete Pack
Full implementation toolkit with QA tools
One-time purchase
- Everything in Essential, plus:
- Data Capture Form (Investments)
- Data Capture Form (Insurance)
- Suitability Wording Bank
- File Review Checklist (45+ points)
- Cost Threshold Policy Template
- Consumer Duty Fair Value Assessment
- Training Presentation (15 slides)
- Insurance Comparison Matrix
Governance Pack
Complete governance & supervisory readiness
One-time purchase
- Everything in Professional, plus:
- MI Dashboard (Excel with KPIs)
- Governance Framework Template
- Quarterly Board Report Template
- CIP/DFM Assessment Tool
- Past Business Review Framework
- FCA Engagement Pack
Comprehensive Regulatory Coverage
Our toolkit addresses requirements across all relevant FCA sourcebooks and guidance.
FG12-16
Replacement Business Guidance
COBS 9
Suitability Requirements
ICOBS 4 & 5
Insurance Switching Rules
PRIN 2A
Consumer Duty
SYSC 10.1
Conflicts of Interest
Principles 6 & 9
TCF & Suitability
Trusted by Compliance Teams
See how firms have transformed their replacement business compliance.
“The self-assessment alone identified gaps we’d missed for years. Within 6 weeks, we had a completely documented framework that sailed through our compliance audit.”
“The suitability wording bank has been transformative. Our advisers save 30 minutes per case, and file quality has improved dramatically. The FCA engagement pack gives us real peace of mind.”
Ready to Transform Your Compliance?
Join firms who’ve moved from reactive compliance to proactive governance. Download your toolkit today and be audit-ready within weeks.
