Disclosure evidence

When medical or financial evidence is required to assist in the underwriting of your customer's application, it will either need to be completed by your client or third party (General Practitioner (GP), nurse or accountant).

Evidence completed by your client

Application form

The most important piece of evidence completed by your client is the application form as this forms the basis of the contract. Also if questions are answered incorrectly or vaguely this can cause unnecessary delays to the application and could mean the policy does not proceed.

We also recognise that more and more agents are now conducting business over the telephone with their customers so have created an informative  PDF file: Best Practice Guidelines For Telephone Data Capture (W13464) PDF size: 132KB  and a  PDF file: Telephone Consultant Checklist (W13465) PDF size: 189KB to ensure that all the necessary components are completed.

Telemedical Interviewing (TMI) also known as Little T

If your client has agreed to let us telephone them, a specially trained nurse or underwriter will contact them to talk about a medical condition that they have disclosed on the application form. This will, in many cases, prevent us from having to write to your client's doctor. For more information see TMI Page.

Medical Conditions Questionnaire (MCQ)

This is a short medical questionnaire that needs to be completed by your customer. It asks specific questions relating to a medical condition that has been disclosed by your customer.

A MCQ can be used to underwrite all types of policies and can eliminate the need to ask your customer's General Practitioner (GP) for a report. For a copy of the MCQ please see the Literature Library.

Simple Financial Information

This is a form that allows your customer to provide information regarding existing cover, earnings net worth and last year's profits (if Key person cover).

Personal Assurance Questionnaire (PAQ)

The PDF file: Personal Assurance Questionnaire (W1766) PDF size: 73KB  is a financial questionnaire that your customer will complete giving income details, information about concurrent and existing cover and details relevant to their personal needs.

Business Assurance Questionnaire (BAQ)

The PDF file: Business Assurance Questionnaire (W1844) PDF size: 77KB   (PDF: 96KB)   is a financial questionnaire that your customer will complete giving income details, information about concurrent and existing cover and details relevant to their business needs.

Evidence Completed by an Independent Third Party (ITP)

For higher sum assured or more complex applications, the  PDF file: Personal Assurance Questionnaire (W1766) PDF size: 73KB or  PDF file: Business Assurance Questionnaire (W1844) PDF size: 77KB may need countersigning by an independent third party (ITP), who will corroborate the financial information that has been supplied by your customer. An ITP can include your customers accountant, solicitor or bank manager who is independent of the sales process.

Evidence completed by your clients General Practitioner (GP)

Patient Health Report (PHR)

This is a report supplied by your clients GP, based on their medical records. The report gives the following information:

  • The current health of your client, including any treatment that has been prescribed, any outstanding investigations and any certified time off work.
  • Any relevant past medical history, including details of any investigations that were undertaken.

This report can be issued either as part of the age sum assured evidence or due to medical disclosures made by your client.

Specific Medical Reports (SMRs)

Specific Medical Reports - known as SMRs are requested from your clients' doctor and are based on their medical records. The areas covered on the reports are:

  • Cardiovascular - BMI blood pressure, cholesterol, diabetes and impaired glucose tolerance
  • Lifestyle - alcohol, smoking and drug use
  • Mental health
  • Recent referrals for further investigations

General Practitioner's Report (GPR)

This is a report supplied by your clients GP, based on their medical records. The report is a standard industry format form, which gives the following information:

  • The current health of your client, including any treatment that has been prescribed, any outstanding investigations and any certified time off work.
  • Any relevant past medical history, including details of any investigations that were undertaken.
  • Details of any medical conditions that have occurred within the immediate family.

This report can be issued either as part of the age sum assured evidence or due to medical disclosures made by your client.

Targeted Reports

This is short questionnaire that is sent to your clients GP instead of a GPR. It asks specific questions relating to a condition that has been disclosed by your client and will reduce the number of times we have to write back to their GP for further information as relevant underwriting information is asked on the questionnaire.

Targeted reports can be used to underwrite any protection products and are supported by both the Association of British Insurers (ABI) and the British Medical Association (BMA)

A maximum of two targeted reports will be issued per customer; above this a GPR will be issued. A GPR will always be requested over age sum assured limits, irrespective of the disclosed conditions.

There are currently 39 single condition reports and 4 combined conditions reports that can be issued to the GP.

Legal & General requested Medical Records Subject Access Requests (SARs) between 2012 and 12 March 2016

Examinations completed by a medical professional

Health Check Nurse - Full Screening

These reports were previously known as Nurse Screening Examinations (NSE) or Paramedical Examinations (PME). They are screenings performed by a nurse at a convenient place for your client; eg at their place of work or at home. They would be requested due to medical disclosures made by your client.

To enable us to use this form of evidence, your client must supply a telephone number so that the nurse can contact them to arrange the appointment.

Information obtained during the screening includes:

  • Your clients medical and family history.
  • Drinking and smoking habits, height and weight, blood pressure.
  • Urinalysis (including cotinine test if your client is a non smoker), peak flow reading.

Health Check Nurse - Mini Screening

These reports were previously known as Nurse Screening Examinations (NSE) or Paramedical Examinations (PME). They are screenings performed by a nurse at a convenient place for your client; eg at their place of work or at home. They would be requested due to medical disclosures made by your client.

Information obtained during the screening:

  • Height and Weight
  • Blood Pressure
  • Urinalysis (including cotinine test if your customer is a non smoker)

Health Check Doctor

This is a medical examination that is completed by your clients GP or an independent doctor and previously known as a Medical Examination Report (MER). A third party provider of medical services arranges independent examinations. These examinations can be requested as part of age sum assured evidence or due to medical disclosures made by your client.

Information obtained during the examination:

  • Your clients medical history
  • Medical details of your clients immediate family
  • Drinking and smoking habits
  • Examination of your clients heart and chest function
  • Blood Pressure
  • Urinalysis
  • Cotinine test (if your client is a non smoker) - this is sometimes performed as a saliva test or sometimes as part of the urinalysis.

Additional tests

Human Immunodeficiency Virus (HIV) Test

This test is always performed using a blood sample. This test is required as part of age sum assured evidence or based on your clients answers to application questions. It can be requested in conjunction with a Health Check Nurse/Doctor. The nurse or doctor will send the sample straight to the laboratory and the results are sent directly to us.

In accordance with the , we will request a HIV test through direct correspondence with your client. Whenever possible we will not disclose to yourself that your client is required to undergo a HIV test. Refer to HIV policy.

Cotinine Test

Cotinine is a chemical that is made by the body from nicotine and is an indicator that nicotine has been inhaled or otherwise introduced into the body.

The Cotinine test is performed as part of the urinalysis or as a saliva test during an examination (Health Check Nurse/Doctor). It is requested when a non-smoking client is required to undergo an examination either as part of age sum assured evidence or due to a medical disclosure that is made by your client.

The test is able to distinguish between passive and active smoking.

Electrocardiograph (ECG)

An ECG is a test that measures the electrical activity of the heart and is a valuable tool in detecting past and present problems relating to the heart. The test is performed during exercise using a treadmill or bicycle. An ECG is normally requested as part of larger age sum assured evidence.

Blood tests

These are usually requested for larger sums assured, but can be obtained to assist underwriting of any case where the underwriter requires further clarification to be able to offer your client the best possible terms.

Non-fasting Blood Profile (NFBP) - a blood profile that includes all the tests below, which improves efficiency and ensures that all risk data is collected so ensuring that there are no unnecessary delays due to omitted tests.

Liver function Tests (LFT) - used to analyse the functioning of the liver.

Lipids - used to calculate the cholesterol level in the blood.

Renal Function Test (RFT) - used to analyse the functioning of the kidneys.

Full Blood Count (FBC) - analyse the constituents of the blood.

Glycosylated Haemoglobin (HbA1c) - provides a longer term trend, similar to average, of how high the blood sugar has been over a period of time.