Underwriting and claims

Medical and financial limits

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

PDF file: Medical evidence limit table – Correct as of April 2020 PDF size: 60KB  

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:

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


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

Funeral Pledge 
Impact of overseas travel and residency on claims