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Adviser Centre

Underwriting Product and Benefit Information.

An underwriting specific view on our different protection products.

When you submit an application to us  it will pass through underwriting either our automated underwriting software or physically being reviewed by an underwriter.

Depending on the product applied for, there are certain things that will affect the decision. For example, What is the maximum rating applicable? Can we exclude a risk etc?

Taking into account these factors the links below allow you to get a simple overview of each protection product.


Life Cover

Family and Personal Income Plan

Critical Illness Cover

Income Protection Benefit

Immediate cover

Total and Permanent Disability

The Value of being informed

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.



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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