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Underwriting centre

Underwriting centre

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

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.

Focussed resources