Underwriting and claims

Medical and financial limits

Our medical and financial limits are now amalgamated in one document. 

PDF file: Guide to our underwriting limits (Q41806) PDF size: 91KB

Underwriting guide and common queries

Our underwriting guide will give you an insight into our underwriting philosophy.

View full details

Occupation including armed forces and residency

Below are some of the factors considered when assessing your clients application:

Armed Forces 
Occupations 
Residency 
Working at Heights

Lifestyle

Below are some of the lifestyle factors considered when assessing your clients application:

Underwriting product and benefit information

The links below allow you to get a simple overview of each protection benefit.

Life Cover 
Family and Personal Income Plan 
Critical Illness Cover 
Income Protection Benefit 
Immediate Cover  
Total and Permanent Disability

Claims

We understand that this is the moment of truth for our customers and the opportunity for us to stand behind the promises we make to pay valid claims.

Claims 
Claims contact details 
Claims information and process 
Our claims payment record 
Impact of overseas travel and residency on claims

Disclaimer

This website is designed to give professional financial advisers information and tools that they can use to help control and develop their business and should not be relied upon by private investors or any other persons.