A guide to how we underwrite our Income Protection policies
An important part of the Income Protection Solutions application process is the underwriting. This is the risk that we attach to certain elements of your client’s application - their medical history and their hobbies and pastimes being two key elements that we assess.
You should advise your client to provide as much detail as they can during the application and teleinterview process so that in the event of any claim payments can be made as easily and quickly as possible.
To help you make this process easier for you and your clients we have developed a guide to show you how we treat certain hobbies, pastimes and medical conditions.
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Important information: The Financial Services Compensation Scheme (FSCS) has made changes to the compensation limits available from 1st January 2010. As such, please download our FSCS information document (PDF 114KB) detailing the new limits. This replace all FSCS wording in our brochures and terms and conditions.