Underwriting centre
Adviser area– If you’re a customer please visit the customer section
We’ve made underwriting simple
Our underwriting approach has been designed to help advisers secure their clients’ protection quickly and efficiently using our online digital underwriting journey.
Our approach to underwriting
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Straightforward
Clear and simple protection products, offering straightforward underwriting for clients, backed by the reassurance of a streamlined claims process.
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Enhanced Digital Underwriting
Cover is assessed based on client answers to a number of medical and lifestyle questions in the online application process. No requirement for a pre-sale GP report, although there may be cases where a simple medical exam is required.
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Click to view page: Pre-underwriting guide
Find out how we treat customers with different sums assured and medical histories; those with different occupations, sporting activities and pastimes.
Pre-Sales Underwriting Tool
Getting started
The Pre-Sales Underwriting Tool is only intended
for use by UK authorised and regulated financial advisers. Get started to obtain an indicative underwriting decision.
Why use the tool?
- Answers common pre-application enquiries across multiple medical conditions
- Provides an instant, indicative underwriting decision with any applicable loadings
- Reduces time spent on applications that may not proceed
- Covers HSBC Life critical illness, life and life and critical illness products
How the Tool works
- Choose the type and level of cover
- Input the client’s height and weight and smoking habits
- Disclose the relevant medical, family history, occupation and pastimes
- View the indicative decision and choose the option to download the pre-sales decision as a report
The tool is not a full application and the outcomes provided are indicative based on the information disclosed. An offer of cover will be provided when a full application journey has been made.
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Click to view page: Get your quotes
You can retrieve quotes from Iress-The Exchange, Webline, UnderwriteMe, iPipeline SolutionBuilder and Assureweb.
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Click to view page: How to submit new business
You can quote and apply via Iress-The Exchange, Webline or UnderwriteMe, Pipeline SolutionBuilder and Assureweb. Not yet ready to submit the application?
You can manage in progress applications in HSBC Access – your online adviser portal.
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Click to view page: How to service clients
Service clients using HSBC Access – your online adviser portal.
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Click to view page: Claims
At a time when your client needs HSBC Life most, a claims adviser will look after your clients claim as sensitively as possible from start to finish.
We keep paperwork to a minimum and our service is designed to be quick and easy so that your client and their family can concentrate on more important things