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Adviser Underwriting Centre

Our Adviser Underwriting Centre makes the underwriting process quicker and easier for you and your clients.

Developed and tested extensively with advisers, it's a one-stop-shop for everything you've ever wanted to know about underwriting.

So, instead of having to call us, you can get the information you need at the click of a button.

A word from our chief underwriter

Underwriting helpline

Call our pre-sales underwriting helpline


0800 533 5192

Get instant advice before submitting an application Monday to Friday, 8.30am to 5.30pm.
Calls may be recorded.

Calling our underwriters

If your client is currently waiting for any medical investigations or tests, please call our underwriting helpline before you submit their application.

When you call us, if you have the information on your client's condition to hand, it will help speed up the pre-sales underwriting process.

If you're not sure what information we need, remember the 4 Ds:



Diagnosis: What was the diagnosis?





Dates: What was the date of diagnosis?  What was the date of the last attack/episode?

 



Drugs: What treatment has been prescribed in the past?  What treatment is being prescribed now?




Duration: How long did the illness/condition last?

See how your client's medical condition could affect their application


  • For the 15 most common conditions, look up what evidence we may need.
  • Find out what our likely underwriting decision would be and what ratings we may apply.

Decisions and evidence


Improve your understanding of medical conditions


  • Learn about the human body and the medical conditions that affect it to help you disclose the right information when completing application forms for your clients.

Medical learning zone

Decisions and evidence guides


Find out how any of the medical conditions your client suffers from could affect their protection application. Here, you can look up any of the 15 medical conditions that most commonly affect applicants and find out:

  • what evidence we usually need to underwrite clients with the condition.

  • our most likely underwriting decision including any ratings we may apply.

Each guide opens in a new window.

Medical condition

Description

Angina

Chest pain associated with coronary heart disease (narrowing of the blood vessels that carry blood to the heart). This leads to inadequate blood flow to the heart muscle.

Arthritis

A disease affecting one or more components of a joint (cartilage, lining, bone), usually with accompanying inflammation. Arthritis can affect people of all ages, and there are various different types.


Asthma

A disorder of the airways typified by recurrent episodes of wheezing, shortness of breath, chest tightness and cough.


Back Pain

Pain/discomfort in the spinal column or supporting muscles, ligaments and tendons.


Blood pressure raised (Hypertension)

A sustained increase in blood pressure. Blood pressure is the force of blood pushing against the walls of arteries as it flows through them. Arteries are the blood vessels that carry blood from the heart to the body's tissues. High blood pressure means the heart has to work harder to pump blood around the body, and this increases the risk of developing heart disease or suffering a stroke. High blood pressure is a common condition which often goes undetected as it usually causes no symptoms.


Cancer

A condition where cells in a specific part of the body grow and multiply uncontrollably. The cancerous cells can invade and destroy surrounding healthy tissue and spread (metastasise) to other areas. Malignant tumours are cancerous; benign tumours are not.


Cholesterol raised (Hypercholesterolaemia)​


Cholesterol is a fatty substance which circulates in the blood. When the amount of cholesterol is raised above an acceptable level based on age and gender, it increases the risk of heart disease and stroke as fatty deposits form inside the blood vessels and hinder the flow of blood. Factors most likely to contribute to high cholesterol are a diet high in saturated fat, smoking, lack of physical activity and high alcohol intake.


Crohn's disease

An inflammatory bowel disease which causes inflammation of the digestive system (gastrointestinal tract). It is a chronic (long-term) condition, although there can be long periods of remission. The inflammation affects the body's ability to digest food, absorb nutrients and eliminate waste. Crohn's disease can sometimes cause problems outside the gastrointestinal tract. Some sufferers, for example, will develop conditions affecting the joints, eyes or skin.


Depression/Anxiety

Various conditions including depression, anxiety, stress, bipolar disorder and schizophrenia.


Diabetes​

A chronic condition associated with abnormally high blood sugar levels due to the body’s inability to produce sufficient insulin (or to respond to the insulin it produces). Type 1 diabetes – the body produces no insulin whatsoever, and insulin injections are required. Type 2 diabetes – the body produces insulin, but in insufficient quantities, or the body produces insulin but becomes resistant to it. Diabetics can suffer major complications, such as heart disease, stroke, kidney failure and blindness.


Heart attack

Death of a portion of the heart muscle due to a sudden interruption in the blood supply.


Irritable bowel syndrome (IBS)

A long-term condition of the digestive system, causing bouts of abdominal cramps, bloating, diarrhoea and/or constipation. The exact cause is unknown, but it is thought to be related to over-activity or increased sensitivity of the gut. Psychological factors such as anxiety or stress also play a part.


Multiple sclerosis (MS)

An inflammatory disease of the central nervous system. Signs and symptoms include muscle weakness, tremor, disturbance of speech and vision, and bladder dysfunction. The most common type of MS is described as relapsing remitting MS. It’s characterised by recurrent attacks of symptoms with periods of remission in between. With progressive MS, symptoms continue to get worse over time, with no distinct periods of remission.


Stroke (CVA)

Permanent damage to an area of the brain caused by a sudden interruption in the blood supply. This can be due to a blockage in one of the blood vessels supplying the brain or a bleed in the brain. Most strokes occur when a blood clot blocks an artery.


Ulcerative colitis

An inflammatory bowel disease which causes inflammation and ulceration of the lining of the rectum and colon (large intestine). It is a chronic (long-term) condition, although there can be long periods of remission. Ulcerative colitis can cause complications outside the digestive system – some sufferers will develop problems with the joints, eyes and skin. It can also be a risk factor for colon cancer.


Download our guide to medical conditions and the underwriting process


A comprehensive guide combining the information in the medical learning zone with the information on this page. It also contains introductory information about the underwriting process to help you answer any questions your client may have.

  Download our guide to medical conditions and the underwriting process

For a printed copy, call our protection sales and support team on 0800 056 2181.

Medical learning zone


Knowing about the human body, and the conditions that can affect it, can be a big help for advisers. Armed with this information, you'll be able to better understand any conditions your clients have and complete their application forms more accurately.

Brush up your knowledge


The information sheets below tell you more about factors or conditions which can affect the body. Each PDF link opens in a new window.

Information sheet

Description

Key areas/conditions covered

Alcohol

The amount of alcohol a person drinks can affect how we handle their protection application.

Effects of excessive drinking; implications for life, critical illness and income protection insurance.

Build

A person's body size, muscle mass
and body fat can have a significant
bearing on the conditions to which
they're susceptible.

Body mass index (BMI), obesity, underweight.

Central Nervous System

Includes the brain and spinal cord.

Epilepsy, multiple sclerosis, shingles, spinal injuries.

Digestive System

The digestive tract runs from the
mouth to the anus.

Cirrhosis of the liver, cholecystitis, Crohn's disease, haemorrhoids, hepatitis, hernia, irritable bowel syndrome (IBS), peptic
ulceration, ulcerative colitis.

Drugs

The different types of drugs
available, and the implications of
drug abuse for protection
applications.

Risks of drug abuse; types of drugs;
implications for life, critical illness and income protection insurance.

Endocrine System

Consists of glands that control the
body's activities.

Hyperthyroidism, diabetes.

Mental Illness

Mental disorders cause a person's
mind to become disturbed, and can vary greatly in their severity.

Psychoneurosis, psychosis, manic depression, schizophrenia.

Musculoskeletal System

Provides form, stability and the ability to move. Can be affected by conditions including knee disorders and osteoporosis.

Arthritis, back pain, cervical spondylosis, hip disorders, knee disorders, lumbar stenosis, osteoporosis, shoulder disorders, whiplash.

Respiratory System

Supplies the body with oxygen and
eliminates carbon dioxide waste.

Asthma, bronchitis, bronchiectasis,
emphysema, pneumonconiosis, pneumonia.

Smoking

The detrimental affects of smoking are well known, so it's important to disclose correct smoker-status information.

Smoking facts; health implications; implications for life, critical illness and income protection insurance.

Tumours

An abnormal mass of tissue which grows at a different rate to the tissues around it. Can be cancerous.

Malignant tumours (cancer or carcinoma), benign tumours.

Financial Underwriting

A brief description of financial underwriting and why we need to do it.

Residence and Travel

An explanation of why we ask about foreign travel and residence in protection applications.

Download our guide to medical conditions and the underwriting process


A comprehensive guide combining the information on the decisions and evidence tab with the information on this page. It also contains introductory information about the underwriting process to help you answer any questions your client may have.

  Download our guide to medical conditions and the underwriting process

For a printed copy, call our protection sales and support team on 0800 056 2181.

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WA02213 03/2015