Underwriting
Our approach to underwriting – supporting you and your customer
Underwriting support for every application
High-value protection
Find out about our bespoke application support service for when your client requires high sums assured.
BMI limits and lifestyle
Details on how we assess BMI and lifestyle, and how it could affect your client’s cover.
Occupation and armed forces
Guidance on our occupation classes and cover for military personnel.
Residency and travel
View our underwriting position for residency, including past and future travel.
Evidence for underwriting
Details about when and why we ask for certain types of medical evidence.
Product exclusions
Get maximum ratings and exclusions for our products, and definitions for Total and Permanent Disability.
Pre-sale Underwriting
Need more help?
PSU Tool
Get instant, anytime access to indicative decisions for single or multiple medical conditions, including BMI, family history, and more.
To access the tool, please log into OLPC and scroll down to ‘Useful tools & help’.
You can also search for your previous online indications, using the reference number provided on each indication.
Call us
You can call our Pre-sale Underwriting team on 0370 333 3699.
We’re open Monday to Thursday 9.00am to 5.00pm and Friday 9.00am to 4.00pm.
We may record and monitor calls. Call charges will vary.
New Business: Obtaining a pre-sale indication
An overview of how to use our electronic pre-sale underwriting tool within OLPC, to give you advanced information on what cover we could offer your customer, before starting an application.
