Underwriting Case Studies

Our expert underwriters will assess every case and will very often offer valuable cover for people who are considered ‘uninsurable’ by other standard providers. In addition, our extensive experience in the specialist field of medical underwriting allows us to quickly assess any initial pre-sales enquiry about the potential cost and provide an indication of this within a few days.

We understand that there will be times when your client may have a strict budget. On these occasions we can offer an Illustration based upon affordability matching their budget to a lower sum and term.

Finding the right product to suit your client's circumstances is essential to treating them fairly. As a provider, for protection products, we generally don’t look to offer terms to healthy clients or those with mild health conditions.

Detailed below are examples of a mild to moderate, moderate and severe case.

On the very severe cases, we may have to reduce the policy term. However, it does at least mean that your client will have the assurance of some cover when they need it most.
 

Underwriting case studies

Mild to Moderate Moderate Severe
Level Term Assurance Level Term Assurance Decreasing Term Assurance
Male - Aged 39 Male - Aged 33 Male - Aged 29
Sum Assured - £65,345 Sum Assured - £100,000 Sum Assured - £142,195
Policy Term - 25 years Policy Term - 35 years Policy Term - 25 years
Non-smoker Non-smoker Non-smoker
Coarctation of the aorta Heart Rhythm issues and asthma Diabetes type 1 poorly controlled, regularly attending reviews and overweight
Terms quoted on:
+100 extra mortality
Terms quoted on:
+200 extra mortality
Terms quoted on:
+350 extra mortality


*Our quoted and accepted policies from March 2017.