Underwriting
Making our application process easier for you and your clients.
Underwriting is the process by which we assess the risk of an individual.
This is done by asking a variety of risk assessment questions covering lifestyle, medical history, occupation, residence, hobbies and financial circumstances.
We underwrite so we can offer the right terms in relation to the risk and so the healthy lives don’t unfairly subsidise the unhealthy lives.
Our philosophy through our online underwriting system is to offer terms wherever possible through reflexive questioning and without additional medical evidence.
Where terms cannot be offered, we’ll tell you what the requirements are.
If a tele-interview is needed, we’ll contact your client within 48 hours.
Once we have all the relevant information we’ll let you know as soon as possible.
The quality of our underwriting decisions is regularly monitored through internal and external processes. This is so our underwriters can continue to offer the best possible decisions on the information available.