Underwriting this policy
If you’re looking for a Group Life policy (for a minimum of 5 employees), 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 which is usually capped at £1.25m. Under this level, there's no need for individual medical underwriting and, if selected, we’ll take a 'once only' approach. This means that in the majority of cases, future increases in benefit won't be subject to further underwriting.
- Efficiency. We use specialist staff – equipped with medical knowledge – to capture essential information in telephone interviews. By using the Teleinterview technique, employees don't usually 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 above the FCL or previously accepted benefit), during the underwriting process, excluding pre-existing conditions.