Our underwriting philosophy

Fair underwriting for everyone.

Our approach to underwriting is a simple one: to give everyone the chance of protection insurance – no matter what existing conditions they may have.

We look at the disclosures made and if we believe terms can be offered we'll ask for medical evidence, irrespective of how high the loading might be at that time. Of course, this doesn’t mean terms can be offered to everybody, but it does mean everyone will be given a fair chance.

So you can be sure that whatever the decision, it will be made in the best interest of your client – and you.

How Reserved Cover works.

  1. Our single question set allows us to automatically underwrite clients for the maximum amount of all types of cover.
  2. Any cover not taken out on day is then reserved for your client for a further 27 months on the original terms.
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We’re prepared to give people a chance at being underwritten to see if they like the terms that we can offer them.

DUNCAN MOSELY

Chief Operating Officer

underwriting Qi

Underwriting question? Just ask…

Qi is the tool that gives you a quick indication of the terms, medical evidence requirements and exclusions for a client with an existing condition.

It uses the same rules as our underwriting engine, arming you with all the facts before you quote and apply.

Qi is available on your personal dashboard. You need to register with us to access it.

Underwriting Support

If you’ve got an underwriting question that Underwriting Qi can’t answer, our underwriters are on hand to help.

Call or email us:

0808 133 1821

Our Customer Care Team will take the information over the phone or by email and pass it to our Underwriting Team. Our Underwriting Team aim to come back to you directly within 4 hours.