Underwriting guides and common queries

In our underwriting guide you will gain an insight into our underwriting philosophy regarding some of the common illnesses and conditions.

Our underwriting guides have been amalgamated into one document. The document still covers the following condition:

  • Anxiety and Depression.
  • Asthma.
  • Back Pain.
  • Cholesterol.
  • Crohn's Disease.
  • Diabetes.
  • Gout.
  • Heart Attack and Angina.
  • High Blood Pressure.
  • Irritable Bowel Syndrome.
  • Multiple Sclerosis.
  • Stroke and Transient Ischaemic Attack.
  • Thyroid Conditions.
  • Ulcerative Colitis.

PDF file: Underwriting Outcomes Explained - Underwriting Guide (W14009) PDF size: 1.2MB

 Other common illnesses and conditions not covered in the underwriting guide:

Common illnesses
Medical condition Life Critical Illness Cover (CIC) Income Protection Benefit (IPB)
Build See Build
Family History of Breast / Ovarian Cancer Ordinary Rates Males lives – Ordinary Rates. Female lives – light to moderate rating if 1st degree relative. Ordinary Rates
Malignant Cancer If recent – postpone cover. Then heavy temporary rating. Severity of rating depends upon tumour size and nature. Decision depends on the time since the completion of treatment and the nature of the cancer. If recent – postpone cover. Then heavy temporary rating. Severity of rating depends upon tumour size and nature.