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Underwriting centre

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Introducing a one-stop-shop

Our Adviser Underwriting Centre has been designed to make the underwriting process quicker and easier for you when writing new business. 

With useful information, tips and resources,  we have developed this page with you in mind.   This means that instead of having to call us, you can get all of the information you need at the click of a button. 

Our Philosophy

"Our commitment is to provide your customers with a digital underwriting experience that is straightforward and effortless whilst ensuring every customer is assessed as an individual in terms of the risk they present, thereby providing the fairest premium"

Robert Morrison - Chief Underwriter 

Underwriting at Aviva

Here at Aviva, we are proud to say that the vast majority of customers (currently 8.5 out of every 10) will receive a final decision from their application alone.

We have created a process that is simple, yet detailed enough to give us all of the information we need to make an informed decision.

By combining our intelligent underwriting systems and the knowledge of our underwriters, we aim to ensure that even our most complex cases can be handled as quickly as possible.

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Experienced underwriters

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By developing an understanding of medical conditions, technical knowledge and risk, we are confident that each one of our underwriters is capable of making the right decision for your client.

The latest technology


We are constantly trying to make the underwriting process more streamlined for you, which is why we have introduced e-AMRAs. Combining this with our real time tracking and automated iGPR solution should help you and your client to have a speedy and well-informed underwriting journey. 

Guides, forms and calculators


Automatic underwriting requirements
Find out which types of medical evidence are required for the amount of cover requested/age of your client

Occupations guide
A guide to IP occupation classes, the definition of disability and acceptance terms for all types of cover.

Understanding Underwriting
A guide to medical conditions and the underwriting process

Capture guides
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BMI calculator

Work out your client's BMI and the rating - you will need to log in to be able to view this

Income Protection Maximum Benefit Calculator

Find out how much cover you client is entitled to in relation to their income.

High Value

We know how important high value protection business is to you, which is why we can provide bespoke service from our specialist high value team. 

Our High value team looks after applications for:

  • Life cover of more than £1 million
  • Critical illness cover of more than £500,000
  • Whole of life cover of more  than £500,000
  • Income protection cover of more than £50,000 annual benefit
  • Any policy with a premium that is over £500 p/m or £6,000 per year

For everything you need to know about our service for high value clients, take a look at our handy guide.

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Who to contact

Business protection and high value administration experts

0800 092 9964

High value underwriters

0800 092 9950

Tax and trust experts

0800 056 2795

Underwriting helpline

Call our pre-sales underwriting helpline

0800 533 5192

Get instant advice before submitting an application Monday to Friday, 9.00am to 1.00pm and 2.00pm to 5.00pm.

Calls may be recorded. 

Contact us

You can find contact details for each product area in the drop-down list:

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