Medical underwriting

We’ll normally cover benefit up to a certain amount without the need for employees to provide medical evidence. This is known as a free limit.

For Death in Service Benefits schemes with over 5,000 lives or £500,000 premium we can offer a free limit up to the standard lifetime allowance. This is £1.75 million for the tax year 2009/2010.

For cover above the free limit, employees will first need to fill in a Member’s Declaration Form (PDF 86KB) before we can consider full cover.

If you switch your scheme to us, we may be able to cover individual employees above the free limit, without the need to fill in a Member’s Declaration Form.

Existing and new schemes

• Tele interviews – We have nurses available to help fill in the Member’s Declaration form over the telephone. This means we can quickly identity whether further medical information is needed, allowing you to benefit from faster and more convenient underwriting.
• Home and work visits – If further medical examinations are needed, we’ll arrange for a nurse visit at home or in the office at a time that is convenient. That means less time out of the office and visits to the doctor.

Temporary cover – We can usually provide cover for employees whilst we wait for reports and test results.

Early and late entrants are employees who wish to join for cover outside the normal eligibility conditions. In some circumstances we are able to include these employees for cover without applying any additional terms. Otherwise a discretionary entrants application form (PDF 69KB) will first need to be completed before we'll consider cover.

ONEderwriting - Our premier underwriting service

At a glance

• We’ll underwrite once and in most cases, never again, for schemes with over 50 lives.
• We offer tele interviews, where a nurse completes the Members’ Declaration over the telephone.
• Where further medical examination is needed, we provide nurse visits direct to your home or office. That means employees no longer need to take time out of work to see the doctor.
• We can reach a decision within five working days, where no further medical evidence is needed.

For more information about our revolutionised approach to medical underwriting, contact our Medical Underwriting team on 0845 072 0753 or email us at groupprotection.medicalunderwriting@landg.com .We may record and monitor calls.