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Pre-underwriting guide

Pre-underwriting guide

Here’s a summary of our benefit limits by age and the key medical conditions which will be accepted, considered or declined. It’s all part of helping you to ensure applications are processed smoothly and quickly to get your clients fully protected without delay.

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

Medical conditions (Click through for more information)Family history (Click through for more information)
Abnormal cervical smearAlzheimer’s disease
AsthmaBreast or ovarian cancer
Back painCardiomyopathy
Breast lumpColorectal (bowel) cancer & bowel polyps
CystitisHeart attack, angina or stroke
DiabetesMotor neuron disease
GoutMuscular dystrophy or Huntington’s disease
Hypertension (raised blood pressure)Multiple sclerosis
Hypothyroidism (under active thyroid)Other cancer
Irritable bowel syndromeParkinson’s disease
Kidney stonePolycystic kidney disease
Mental health
Naevus (Mole)
Raised cholesterol
Suicide & deliberate self harm

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 attainedMaximum sum assuredEnhanced Digital Underwriting (subject to medical screening exam)
Up to 30£900,001£1,500,001
31 to 35£850,001£1,100,001
36 to 40£700,001£1,100,001
41 to 45£550,001£1,000,001
46 to 50£425,001£750,001
51 to 55£325,001£500,001
56 to 60£225,001£400,001
61 to 65£100,001n/a
66 to 69£75,001n/a

Critical Illness and Critical Illness Plus Non-medical Limits

Age attainedMaximum sum assuredEnhanced Digital Underwriting (subject to medical screening exam)
Up to 30£500,001£1,000,001
31 to 35£500,001£1,000,001
36 to 40£500,001£1,000,001
41 to 45£400,001£600,001
46 to 50£300,001£500,001
51 to 55£150,001£250,001
56 to 60£150,001n/a
61 to 65£75,001n/a
66 to 69£50,001n/a

Additional pre-underwriting information

View our Underwriting FAQs for more information on:

  • Smoking
  • Occupations
  • Driving
  • Sports and pastimes
  • Travel