… that our routine medical evidence limits are extremely competitive, which means faster turnarounds and less evidence needed.
… that we only routinely request financial evidence in the form of a questionnaire where the sum assured for life protection is above £1.5 million for Personal Protection and above £1 million for Business Protection and inheritance tax.
… for certain commercial deals, we’ll travel to whoever holds the financial documents so we can underwrite the case on the spot, which saves time waiting for evidence.
… that you can get immediate online decisions, which means you’ll get your client’s cover in place quicker and you’ll get paid faster.
… that we can offer an immediate cover facility for when business protection is urgent. If your client’s application and financial evidence is satisfactory, we’ll put 60 days’ cover in place immediately while we request any routine medical information.
… that we offer a range of medical examination options – choose from client’s own GP, third-party medical provider or a mobile doctor.
… that to end December 2007, we paid out:
- 84% of life claims, totalling over £67 million
- 76% of critical illness claims, totalling over £47 million