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Underwriting this policy

With up to 49 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 selected, we’ll take a 'once only' approach. 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 – 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. 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 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 minimum disruption 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.

WC00389 06072011

Contact us

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

0845 300 4452

Monday to Friday
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