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