Latest underwriting updates to our Life Protection Platform
We want to make it as smooth and seamless as possible for you to do business with us.
Based on your feedback and a full review of our application form base questions, we’ve made some changes to the questions we ask your clients about their health.
We’ve re-ordered the wording of some underwriting question, merged some questions and reduced the length of some questions to make it a quicker and easier process for you and your clients. These include:
- For Life cover only applications, we will no longer ask questions about most eye, ear or musculoskeletal conditions.
- For Life cover only applications, we will no longer ask about any family history of multiple sclerosis and Parkinson’s disease.
- We will no longer ask about positive Covid tests or short-term symptoms of Covid, but we will continue to ask about, Long Covid or Post-Covid syndrome for Critical Illness and disability benefits.
- We will no longer ask customers about “any other hereditary disorder” but will we ask about any other conditions in the family that they have been advised to have, or are having, ongoing screening or follow ups.
- We’ve updated our questions around past and future travel to reflect new wordings and some of the travel timeframes have been reduced.
- Updated some of our underwriting rules to allow more decisions to be made without the need to refer the application back in to underwriting.
These updates complement our recent changes to our non-medical limits for people under the age of 50, increasing the value of cover available without requiring medical evidence.