Our financial and medical underwriting limits are among the highest in the market.
Our routine medical evidence limits are extremely competitive, which means faster turnarounds and less evidence needed.
For example, for a 40-year-old male, nurse screening is required for life protection at £600,001, medical examination isn’t required until £2,000,001 and additional tests are only required where the sum assured is over £3,500,000.
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. And we only routinely request reports and accounts where the sum assured is above £2.5 million for life cover.