So we do everything we can to make the protection journey as smooth and simple as possible. That’s why we continually review and update our online service to make sure we’re easy to do business with.
A slicker online experience for you and your clients
Flexibility and choice are at the core of our online journey - we know advisers operate in different ways and we want to make sure our online service can be tailored to work for you.
Some of the key changes we’ve made this year to make the process even easier for you and your clients include:
Flexible plan set-up
We’ve added new options to our menu to give even more flexibility. This includes letting you choose different owners and start dates so you can build cover packages tailored to your clients’ protection needs. As a result, customers can now start some of their cover options immediately, without having to submit multiple applications or wait for everything to be underwritten.
You now have the ability to start a policy via our online dashboard, at a time that suits. You can also add or amend the start date on a policy before it goes live, giving you even more control. And you can also see if a policy has started or if it has a future start date.
Pre-sale underwriting tool
We introduced this tool to give you quick and easy access to pre-sale decisions, 24/7. You can enter customer information, such as their medical history, and get a quick indication of what the underwriting outcome will be, without you having to call us or start the application process. The pre-sale tool uses the same questions and underwriting rules asked during the application journey, ensuring consistency in the underwriting outcome. This means you can set clear expectations from the beginning.
Send to client
Our ‘send to client’ feature now gives you even more visibility on the progress of your applications. Our new tracker allows you to see whether a client has accessed an application since you sent it and where they are in the process. You can even click in to view the application, so if your client is stuck on a particular part, you can help.
To personalise each journey we’ve made the declarations dynamic. This means you and your clients only see information relevant to the policy, minimising time spent going through unnecessary information. We’ve also changed how we display declarations, showing them as a downloadable PDF that can be printed, emailed or saved directly to your files.
We’ve done a lot to make sure our online journey is a smooth one. But, as with all things digital, we know that if we don’t continuously review and improve things, we could quickly end up as dated as dial-up internet connection and floppy disks.
So, at the end of 2017, we launched a survey to gather more feedback on what was and wasn’t working for you. This has allowed us to develop a programme of further improvements for 2018, all designed to help you help your clients.
Watch this space.