Underwriting
As specialists in Income Protection, we’ll always do our best to put cover in place for your clients. We’re proud of our fair, inclusive and personal approach to underwriting:
Eligibility
To apply your client must be:
- A UK resident (excluding the Isle of Man and the Channel Islands), and have been for the last 2 years.
- Registered with a UK GP for the last 2 years – with access to their medical records for at least the last 2 years.
- Aged 18 to 59.
- A UK taxpayer with a UK bank or building society account.
- Employed or self-employed and not planning to retire within the next 5 years.
- Actively at work, fit enough to do all the duties of your occupation, and not working in any of our excluded occupations.
Residency
Your clients must reside in the UK for at least 183 days a year to be classed as a UK resident. We can be flexible for those who qualify for seafarers tax allowance.
Help us to help you
Here's a quick handy guide highlighting some of our pre-sale underwriting hints and tips.
Frequently Asked Questions
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What is your approach to back conditions?
If we can’t offer cover, and we apply a full back exclusion, we’ll apply a 10% premium discount.
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What is your approach to BMI?
We take an inclusive approach and offer cover to clients with a BMI up to 35.9 (age dependent) with no loading when this is the only medical risk factor.
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What is your approach for clients who drive for a living?
If your client does a lot of driving our age-costed premiums are a good choice as we won’t charge an extra premium.
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What is your approach to hobbies, pastimes and hazardous activities?
If you choose our age-costed premium option, we can often insure people who take part in hobbies, pastimes and hazardous pursuits. We can also offer the option to exclude the activity. We like to be flexible to achieve the best outcome for your client. If you have clients who take part in these types of activities check out our Hazardous Pursuits guide.
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Do you offer exclusion reviews?
If your client’s circumstances mean we have to apply an exclusion, we can offer exclusion review periods.
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Do you provide cover for clients with Type2 Diabetes?
We can often cover people with type2 diabetes. It’s always best to send a pre-sale email to get an indication of cover available for your client.
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Do you provide cover for Mental Health?
There are several possible outcomes in relation to the cover we might offer. We assess every application on its own merits and will always try to offer cover. If we can’t offer cover for mental health, we’ll apply a 10% premium discount to your client’s policy.