Maximum ratings and exclusions
The type of cover your client chooses can affect our underwriting decision. This section outlines the factors we take into consideration for our protection products, including maximum ratings and exclusions, and definitions for Total and Permanent Disability.
Underwriting criteria
Life Cover underwriting criteria
Critical Illness Cover underwriting criteria
Income Protection Benefit underwriting criteria
Family and Personal Income Plan underwriting criteria
Total and Permanent Disability definitions
Waiver of Premium claims
Residency and travel
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Underwriting
Get pre-sale support, including underwriting limits, BMI, and how to get an indication of our terms.
BMI and lifestyle
Find out how we rate your client’s BMI limits and lifestyle.
Get in touch
Contact our Pre-sale Underwriting team if you need further information, or support with your business.
0370 333 3699
We’re available Monday to Thursday 9am to 5pm and Friday 9am to 4pm.
We may record and monitor calls.
Call charges will vary.