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Group Income Protection

Underwriting this policy

With so many employees to look after, you probably don't want to spend valuable time filling out forms or going through a time-consuming underwriting process. So we do everything we can to minimise disruption to your business. For example, we offer a free cover limit up to £120,000. Under this level, there's no need for individual medical underwriting and, if chosen, we can take a 'once only' approach, where, in the majority of cases, future increases in benefit won't be subject to further underwriting.

If your policy cover levels do need to be higher than £120,000, then we'll try to make the underwriting process as stress-free as possible. Here are some more aspects of our underwriting process that we think are important:

  • Efficiency. We use specialist staff – 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, making the process easier. All calls are carried out in confidence, and this can significantly reduce cases of non-disclosure.
  • Simplicity. If your employees prefer 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 make medical underwriting decisions faster.
  • Accountability. We provide a prompt, clear and accountable underwriting service, which is designed so that it creates less hassle for your business.
  • Practicality. We'll give your employees cover from day one. We provide up to 90 days temporary cover during the underwriting process, excluding pre-existing conditions.

WC00531 02/2014

Contact us

Talk to us. We're happy to help. Call:

0845 300 4452

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