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The faster way of doing business, including our new Pre-Underwriting tool

LV= Pre-Underwriting Tool

Get a quick, indicative decision - saving time for you and your client

Our new Pre-Underwriting Tool, part of Fastway, allows you to enter illnesses and conditions (disclosures) giving instant, indicative underwriting decisions for our personal Life Insurance, Life with Critical illness, Income Protection and Personal Sick Pay (PSP).

Login to Fastway and use our pre-underwriting tool

Login to Fastway

We’ve designed the tool to help you understand if disclosures will result in standard rates, increase the premium, lead to a policy exclusion or result in a decline or postpone outcome. The easy-to-use tool, available 24/7, will give you an accurate underwriting decision on hundreds of conditions , helping you manage your client’s expectations and get their cover on risk quicker.

Benefits of our Pre-Underwriting Tool


Available round the clock, helping you submit business in the evenings or over the weekend.

Instant decisions

Saves you time and unnecessary calls to our underwriters. You can use the tool whilst on the phone to clients, or in face-to-face meetings. An indicative outcome will be produced for over 76% of clients. Where a final indication can’t be provided, we’ll confirm the evidence needed for a further 14% of customers. Overall, 9 in 10 customers will know the final outcome or next steps.

Multiple conditions

You can use the interactive tool for multiple disclosures. For complex cases, the tool can confirm the medical evidence needed and an indication of the final underwriting outcome, ensuring no nasty surprises.

Unique ID

Each enquiry generates a unique record saved in your Fastway dashboard – supporting your compliance processes. This also reduces the chance of errors or misunderstandings compared to over the phone.

Used by the experts

LV= underwriters use the tool during manual underwriting, so you’ll get the same advice and results as we do.

No nasty surprises

The questions and outcomes are exactly what you see in the full application journey, helping you manage your client’s expectations and avoiding wasted applications.


Our rules engine is designed to have the ability to search over a 1,000 conditions which will provide indicative decisions for over 90% of common enquiries.

Where to find the pre-underwriting tool

1. Click on New Pre-UW Enquiry at the top of the page

2. Refer back to the decision by accessing the record’s unique ID in your Fastway dashboard

When to use the tool

This graph shows 9 out of 10 customers will get an indicative decision for the most common disclosures we see at LV=.

A bar graph displaying the statistical breakdown of % for customers that will get an indicative decision for the most common disclosures

Table for % of indicative decisions for common disclosures

Common Disclosures

% of customers with an indicative decision



Mental Illness


High blood pressure




Family History Heart Disease






Back Pain


Family History Diabetes




More choice for you

Our underwriters are still available during normal office hours if you need help with complicated cases. For a quick outcome on simple disclosures, we recommend using the pre-underwriting tool. You can access the tool by logging into Fastway.

Adviser feedback

The new LV= pre-underwriting tool is a game changer. It’s really quick and easy to use – and the results are the same as if you went through full underwriting. We can use it 24/7, ideal when we’re meeting clients in the evenings and at the weekend


Need some help? No problem, our friendly team is always on on hand to support you.

0800 678 1893

TextDirect: first dial 18001

We may record and/or monitor your calls for training and audit purposes.

More ways to contact us

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Flexible Protection Plan

Why not add Critical Illness or Income Protection to your client's plan for a wider protection portfolio?

More about Flexible Protection Plan



Our online resource of pre-written letters, tools and more help you generate leads.

More about the support we offer

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Large Case Team

If your client's Life Protection benefit is £1m or more, we can offer dedicated support

More about our Large Case Team

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Working with LV=

How to get started and the kinds of support you can expect when you work with us.

More about working with us

LV=, County Gates, Bournemouth, BH1 2NF, UK