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Group Life

Underwriting this policy

Time is important and no one wants to spend it filling out forms, which is why we’ve created a simple and efficient underwriting process. Depending on the size of the scheme we will offer a free cover limit of up to £1,800,000 - under this level there's no need for individual medical underwriting and, if selected, we’ll take a 'once only' approach and in the majority of cases future increases in benefit won't be subject to further underwriting.

If we do need to underwrite your employees because, for example, they are over the free cover limit, we’ll try to minimise the disruption. Here are some aspects of our underwriting process that we think are important and that our clients 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 confidential 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 one medical declaration to capture information about their work, health, lifestyle and medical history.
  • 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 the day we set up your Group Life policy and will provide up to 90 days temporary cover (to a maximum of £1million above the scheme free cover limit of the member’s previously underwritten benefit, which ever is higher), during the underwriting process, excluding pre-existing conditions.

WC01797 11/2014

Contact us

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

0800 145 5684

Monday to Friday
9.00am - 5.00pm

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