Group Life

Underwriting this policy

If you’re looking for a policy that can cover 250 or more lives, then you probably want to minimise the time going through the underwriting process or spent filling out forms. Our underwriting process is as efficient as possible, in that regard. We usually start by offering a free cover limit up to £120,000. Under this level, there's no need for individual medical underwriting and, if selected, we’ll take a 'once only' approach. In the majority of cases, future increases in benefit won't be subject to further underwriting.

But with 250+ lives or more being covered, your policy level is likely to be higher than £120,000. So we’ll do all we can to make the underwriting process stress-free. Here are some aspects of our process that we think are important, and that we hope you’ll choose to benefit from:

• Efficiency. We use specialist staff – trained in communication skills and equipped with medical knowledge – to capture essential information in telephone interviews. By using the Teleinterview technique, employees don't have to complete any complicated forms, which helps puts them at ease.
• Simplicity. If you prefer your employees not to have a Teleinterview, then we can use a medical declaration to capture information about their work, health, lifestyle and medical history. This helps us give quick decisions to your members of staff.
• Accountability. We provide a prompt, clear and accountable underwriting service, which is designed so that it creates minimum disruption for your business.
• Practicality. We’ll give your employees cover from day one, as we set up your Group Life policy. We provide up to 90 days temporary cover (to a maximum of £1million), during the underwriting process, excluding pre-existing conditions.

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