Medical underwriting is the process when we consider a person’s medical history and lifestyle before deciding on insurance cover. If you require underwriting, you will need to answer some questions about your health and lifestyle. This information can be provided to us via application form or tele-underwriting interview.
What questions will I be asked?
We’ll ask you a variety of questions about your:
Please note that it's not possible to save the online application so we suggest completing it in one go. If you would prefer to complete the form offline, you can download a blank PDF form here. To submit this version via email, you will need to print, sign and rescan the form. Once complete, your application should be password protected and emailed to: email@example.com
Please note that it's not possible to save the online application so we suggest completing it in one go.Go to online application form
If you would prefer to complete the form offline, you can download a blank PDF form here. To submit this version via email, you will need to print, sign and rescan the form. Once complete, your application should be password protected and emailed to: firstname.lastname@example.org
Through our online booking service you can choose the date and time of your appointment, with the option to cancel or reschedule if something comes up.
We’ll ask a variety of questions about your:
All interviews are carried out by our experienced underwriters in a relaxed, conversational manner. We won’t need any more than 30 minutes and it’s likely to be quicker than that.
Using telephone interviews also means we can address any medical conditions or concerns at the time and, in most cases, make a decision immediately after the interview. All calls are strictly confidential and only used to arrange cover.
To book a telephone interview, please visit our online booking service and have your policy number to hand.Online booking service
We may contact you to obtain additional information and/or clarify what you’ve told us. We may ask your GP for a report based on your medical records. Rarely, we may ask you to attend a medical examination or other tests.
Once we have reached a decision, this will be communicated to your company (usually via their financial adviser). Don’t be surprised if we don’t contact you directly. It just means that we have all the information we need.
All information submitted via our online application is protected by encryption. Please see the notes towards the end of this form for full details regarding how we process your data.
No, we can use the same online application or telephone interview for both policies.
Your cover is an employee benefit, arranged by your employer. The policy documents are provided to whoever manages employee benefits at your company. If you have any questions that we do not answer here, please contact your HR team.
Under our policies, a set amount of cover is provided to eligible employees without us needing to know more about their health and lifestyle. We call this set amount the ‘non-medical limit’.
If your benefit exceeds the non-medical limit, we’ll need to know more about your health and lifestyle before we can accept the excess.
Over time, your benefit may have increased in line with your earnings. This might mean that your benefit now exceeds the non-medical limit for the first time, so we need to ask you some questions about your health and lifestyle.
Sometimes we’ll need to obtain a report from your GP, ask you to attend an examination, or have some simple blood tests. We will arrange everything and pay any doctors fees.
Once we have reached a decision about your cover, we will share this with your employer, usually via their financial advisers.
Don’t be surprised if you don’t hear from us. This just means we are in touch with your employer’s financial advisers. Once the underwriting process is complete, your HR team will be able to tell you what we decided.
If you need help for any reason, please do contact us using the details below, or ask your HR team to contact us for you. We’ll be very happy to support you in any way we can.
One of our experienced underwriters will phone you at the agreed time and ask you questions about your health and lifestyle. The call will be recorded and we’ll use your answers to help us make an underwriting decision.
A telephone interview enables us to gather the information very efficiently and our underwriter can answer any questions you may have.
You may find it helpful to review any medical records you have access to, in preparation for the call, however this is not essential. We only ask you to tell us about the medical information you remember.
There’s no difference. The questions we ask are the same whichever route you choose. We offer three options so you can select the application process that works best for you:
We're here to help