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.
Go to underwriting tool
Get an indicative decision with our Pre-sale Underwriting tool
Providing online indication of terms for single medical conditions including BMI, diabetes and more.
Speak to a Pre-sale Underwriter
Need more help? You can contact our team in two ways.
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.
Contact us
Get a fast and accurate indication of terms with our Pre-sale Underwriting form, available to you any time.
Just fill in your client’s details, and one of our Pre-sale Underwriters will email you an indication of terms.
More from Adviser Protection
Literature
Your central library for technical guides, forms and product information.
Personalised sales support
Use our tool to find your dedicated sales and support contact(s).
Adviser toolkit
Calculators, sales aids and case studies for your client conversations.