Underwriting

Everyone is different and this means that each client poses a different level of risk to us. That’s why we tailor our underwriting service to suit your clients’ needs.

The majority of applications we receive get an immediate decision. However, if we do have to refer an application it will be looked after by a dedicated underwriter who'll see it through from start to finish. They'll keep you up-to-date at every point of the process.

Our approach to underwriting

We work under a broad set of principles rather than a process. Of course we have our underwriting philosophy, data protection regulations, and other guidelines to follow. But our underwriters have the flexibility to speak to you, your client or whoever it is that can give a better understanding of the situation.

To help our underwriters in making a decision, it’s important that we’re given the correct information. We’ll only ask questions about the areas that are relevant to our assessment but in some instances further evidence may be required before a decision can be made.

If we don’t receive correct or complete information, and if this information would have changed our original assessment, it could have an impact on our decision should your client need to make a claim.

To help your clients understand our underwriting process, read our client guide to underwriting. It provides an overview of what to include in the application, why we ask for different types of medical evidence, as well as the types of decisions we may apply to your clients' cover.

How we can support you

Good underwriting is key to our business and to you too. That’s why we do things the way we do - such as publishing our BMI tables and giving you access to our pre-sale underwriting tool to get an indicative decision ahead of any application.