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Underwriting

Our approach to underwriting – supporting you and your customer

Underwriting support for every application

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High-value protection

Find out about our bespoke application support service for when your client requires high sums assured.

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BMI limits and lifestyle

Details on how we assess BMI and lifestyle, and how it could affect your client’s cover.

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Occupation and armed forces

Guidance on our occupation classes and cover for military personnel.

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Residency and travel

View our underwriting position for residency, including past and future travel.

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Evidence for underwriting

Details about when and why we ask for certain types of medical evidence.

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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.

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