Unum’s medical underwriting

Medical underwriting is the process when we consider a person’s medical history and lifestyle before deciding on insurance cover. It's about ensuring we assess the potential risk of injury or illness.

The majority of people will be fully covered without the need for medical underwriting, but when it is called for, we aim to make it as quick and simple as possible.



Tele-underwriting is the easiest and fastest way to get covered. Employees can choose the date and time of their appointment through our online booking service – and reschedule with a simple click if something comes up.

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 tele-underwriting 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 tele-underwriting interview, please visit our online booking service here and have your policy number to hand.

Application form

For employees who would prefer to complete the underwriting questions in writing, please download our medical health and lifestyle questionnaire.

The completed questionnaire should be posted to Unum, Milton Court, Dorking, Surrey, RH4 3LZ or emailed to muw@unum.co.uk. We recommend using password protection or encryption.

Support services

Our customers also get access to a range of built-in, added value services, including:

Rehabilitation services

From early intervention to return to work plans, our award-winning rehabilitation service can help.

Unum LifeWorks

Unum LifeWorks is an Employee Assistance Programme (EAP) that provides a comprehensive package of work/life support services to employees and their immediate family members. Income Protection customers also get additional employer services.

Workplace wellbeing

Our wellbeing hub can help businesses create or review a workplace wellbeing strategy. It also provides access to CPD-approved tools and guides to help employers navigate sickness absence, and learn more about the problems employees with serious illnesses may face.

Mental health in the workplace

Recognising, valuing, improving and protecting mental health in the workplace makes sound business sense, so we’re proud to be partnering with The Mental Health Foundation to highlight the importance of safeguarding employees' mental wellbeing.