UNDERWRITING TOOLS FOR PROTECTION.

AIG

View AIG’s range of support materials, essential forms and underwriting information.

The underwriting guides including the covering non-medical limits, height and weight, occupations, driving and financial underwriting. Underwriting decisions may differ due to the coronavirus pandemic.

GUARDIAN

As an in-depth drilldown into each of their products underwriting limits Guardian have multiple website pages including their limits, non medial limits, BMI and medical underwriting.

Holloway Friendly

Quick reference underwriting guide
Watch this with an accompanied . This guide is designed to help you through the underwriting process by detailing:

• The types of medical evidence Holloway ask for
• The types of decisions Holloway may offer
• An explanation of each condition
• The information Holloway need to know for each condition
• An indication of terms that may be offered for the most common medical conditions Holloway are asked about.

Legal & General

Accurate underwriting is essential to providing your clients with a fair price for their cover and ensuring valuable benefits are not lost through misrepresentation. How your client lives their life, what they do for a living and where they live all have an impact on the cost of their cover.

Get familiar with the details of the underwriting process, medical evidence requirements and Legal & General’s straightforward claims process.

To help, outlined are the most requested documents.

LV=

LV= understand that a simplified underwriting journey is important to you.  They’ve ensured you can make full and accurate disclosures easily, giving the confidence that a claim will be paid.

ROYAL LONDON

When your clients buy one of Royal London’s protection plans, they’re buying a promise that, should they suffer from something that’s covered under their plan, Royal London will pay out money to help provide them with financial security.

Everyone is different and this means that each client poses a different level of risk. The Royal London Measuring Risk guide looks into emphasising the potential impact of misrepresentation, tools of the trade, a full medical underwriting guide, family history and more!

SCOTTISH WIDOWS

We aim to provide your clients with instant decisions and access to immediate cover.

If we do ask for evidence, although we are able to capture full disclosures during the online questionnaire, we only ask for evidence we need to provide you with a decision.

From easy access to more kinds of cover, including mental health issues, and instant decisions, discover how our transparent, tailored and inclusive underwriting can help you protect more clients.

THE EXETER

The Exeter have created a series of downloadable underwriting questionnaires including;

ZURICH

At Zurich our goal is to create an easy and fast application journey and to individually underwrite each client to provide fair and accurate terms that are tailored to their personal circumstances.

We’re constantly developing our underwriters and underwriting system. This ensures we’re always up to speed with the ever changing world of medicine and protection products. Our underwriters have on average 15 years experience, so you and your client will have plenty of support on hand.

VITALITY

The process of underwriting is where Vitality decide if they can offer a customer the cover they have applied for and what premium they should be charged.

The application process involves answering questions that are designed to capture the information we need to build a clearer picture of the life to be insured and the risk factors which may increase the likelihood of them claiming.