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Adviser Underwriting Centre

The simple way to improve your underwriting knowledge

Supporting you

Getting your clients underwritten shouldn't be painful. Which is why we offer support to help you get your clients' protection applications handled promptly and fairly.

Underwriting advice at the end of a phone line

Our What If helpline lets you get advice from our team of qualified underwriters. Call them before submitting an application to find out what information to include on the form, what evidence we're likely to need and what our underwriting decision is likely to be. Since the helpline launched in 2006 we've taken around 70,000 calls.

Call the What If helpline on 0800 533 5192
Lines open Monday to Friday, 8.30am to 5.30pm. Calls may be recorded.

Did you know?

  • We reduced the number of doctor's reports needed by 60% during 2009.
  • We cut the average time it takes to start a policy in half between 2007 and 2009.
  • Seventy-three percent of applications for our Simplified Life insurance are accepted straightaway.

Underwriting literature

Each PDF opens in a new window.

Guide Description
Underwriting guide for financial advisers (PDF 149Kb) An insight into our approach to medical and financial underwriting. Includes details of the limits at which we'd automatically need extra medical or financial evidence.
Medical conditions: underwriting decisions and evidence handbook (PDF 817Kb) An overview of the medical conditions our underwriters most commonly encounter. Includes the evidence we're likely to need for each condition, and our probable underwriting decision.
Understanding underwriting: a guide to medical conditions and the underwriting process (PDF 2Mb) A comprehensive guide combining the information contained in the decisions and evidence handbook with that included in the Medical Learning Zone. Also contains introductory information about the underwriting process.