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Adviser Centre

Underwriting and Claims.

Medical and Financial Limits

Our Medical and Financial limits are now amalgamated in one document. 

  Guide to our underwriting limits (Q41806)  PDF: 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
Working at Heights


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

Hazardous Activities
Recreational Drugs

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
The Value of being informed
Total and Permanent Disability


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

Tele Medical Interviewing

TMI is a service we offer to your clients to disclose details about medical conditions confidentially and to speed up the application process.

View full details

0370 333 3699


Monday to Friday 9.00am to 6.00pm.

(With the exception of Thursday's when they open at 9.30am)

We may record and monitor calls. Call charges will vary.


Key Documents


If you have any feedback on our Underwriting and Claims pages, whether it is something you cannot find or something that is missing then please contact us.

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