What's a Teleinterview?

We want all of our policies to be simple, straightforward and easy to arrange. When you ask us for a quote for income protection, we'll need to find out some more details about your occupation as well as your personal circumstances. This helps us to make sure you have the right level of cover and gives us accurate details about your medical history. We do this through a Teleinterview: it's a brief interview over the phone with a medical professional who is trained to gather all the information required for us to get your policy up and running.

We'll arrange a time that's convenient for you to talk

We'll contact you to arrange a convenient time for the Teleinterview. It's important that you can speak freely at the time of your interview, as we'll need to gather some personal information.

You'll collect the details you need and give them to us in the Teleinterview

When we call, we'll ask you for some specific information. The details need to be accurate, so it may help to take any personal measurements before we call. We'll ask you for:

Personal details such as your age, weight and height.
Details of your medical history, any medication and any medical treatment and/or tests that you've had or are expecting to have (you can give us the brand names of any drugs).
Details about your job, your work environment and any hazards that you come across at work.
Information about the activities you do in your spare time. This includes anything that may be considered dangerous or hazardous, but we can explain what this includes during the call.

We'll also ask you about past or current family medical problems/conditions. And you'll be asked whether there's any other information that may affect your policy, such as whether you work abroad.

We'll use the information to make an underwriting decision

This means that we'll use your unique details to assess the risks involved in giving you cover. Giving us accurate information is vital, because we base our decision on the details you give to us during this Teleinterview.

When we accept your application, we'll send policy documentation to you. This will include a policy schedule, a copy of the details you provided on your application and a copy of the report produced from your Teleinterview. You should check the details and information carefully to make sure that they're correct.

If you need to make any amendments, you need to do so in writing within 14 days of receiving the policy documentation. If we don't hear from you within 14 days, then we'll activate your policy automatically and collect the first monthly premium payment.

WC05192 03/2013