Pre-underwriting guide
Adviser area– If you’re a customer please visit the customer section
Common medical conditions & family history
Clients with medical disclosures can be considered subject to additional questions being completed. Our dynamic, online underwriting system will guide you through the process.
The table below listing conditions isn’t exhaustive, but captures the areas where we experience the highest rate of disclosure. Click on the individual conditions or family history for examples of what cover might be offered.
Our intuitive Pre-Sales Underwriting Tool evaluates your client’s full medical and family history and provides an instant, indicative decision there and then, please access here
Other medical conditions & lifestyles
Medical conditions covered (subject to disclosures)
- Anaemia
- Cone biopsy
- Digestive disorders
- Ear disorders
- Epilepsy
- Gynaecological
- Heart murmur
- Hormone treatment
- Joint replacement
- Ménière’s disease
- Pleurisy
- Pneumonia
- Raynaud’s disease
- Rheumatoid arthritis
- Ulcerative colitis
- Vertigo
Medical conditions where cover is not available
- Aneurysm
- Angina
- Benign brain tumour
- Heart attack
- Heart disease
- Huntingdon’s disease
Life Protection Non-medical Limits
| Age attained | Maximum sum assured | Enhanced Digital Underwriting (subject to medical screening exam) |
|---|---|---|
| Up to 30 | £1,000,000 | £1,500,000 |
| 31 to 35 | £1,000,000 | £1,100,000 |
| 36 to 40 | £775,000 | £1,100,000 |
| 41 to 45 | £550,000 | £1,000,000 |
| 46 to 50 | £500,000 | £750,000 |
| 51 to 55 | £350,000 | £500,000 |
| 56 to 60 | £250,000 | £400,000 |
| 61 to 65 | £100,000 | n/a |
| 66 to 69 | £75,000 | n/a |
Critical Illness and Critical Illness Plus Non-medical Limits
| Age attained | Maximum sum assured | Enhanced Digital Underwriting (subject to medical screening exam) |
|---|---|---|
| Up to 30 | £500,000 | £1,000,000 |
| 31 to 35 | £500,000 | £1,000,000 |
| 36 to 40 | £500,000 | £1,000,000 |
| 41 to 45 | £400,000 | £600,000 |
| 46 to 50 | £300,000 | £500,000 |
| 51 to 55 | £150,000 | £250,000 |
| 56 to 60 | £150,000 | n/a |
| 61 to 65 | £75,000 | n/a |
| 66 to 69 | £50,000 | n/a |
Additional pre-underwriting information
View our Underwriting FAQs for more information on:
- Smoking
- Occupations
- Driving
- Sports and pastimes
- Travel
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Click to view page: Underwriting FAQs
Our Underwriting FAQs answers common questions for all your underwriting needs.
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Click to view page: Need an indicative decision?
Our Pre-Sales Underwriting Tool answers common pre-application enquiries and provides an instant, indicative underwriting decision.