Underwriting icon

Application summaries

We’ll send an application summary to all of your clients so that they can review the information given on their application and make sure it’s correct. This gives your clients an opportunity to make any changes if necessary.

If no changes are needed, then nothing further is required.

If your client does make changes, they’ll need to send the summary back to us and an underwriter will review the changes. What happens next will depend on what the changes are:

No change to decision:

  • If the changes don’t impact the original underwriting decision, we’ll write to your client telling them there’s no change.

Further information required from a GP:

  • If the changes mean we need a General Practitioners Report (GPR), we’ll cover your client for up to 56 days while we wait for the report. If we don’t get the report back within 56 days, we’ll cancel the policy.

Further information required from client:

  • If the changes mean we need further information from your client, one of our underwriters will phone them
  • If we can’t get the information over the phone we‘ll write to your client. We’ll cover your client for up to 56 days, until we get the information. If we don’t manage to contact your client or get the information within 56 days, we’ll cancel the policy.

Revised underwriting decision:

  • Changes or additional information could mean a change to the original underwriting decision. This may result in us increasing your client’s premium, if that’s the case we’ll send revised terms and policy documents to your client.
  • We may apply an exclusion or not be able to offer Premium Protection cover. If this happens we’ll send your client revised terms and ask them to confirm they accept these new terms. We’ll cover your client for up to 56 days while we wait for them to accept our terms. If we don’t get the acceptance within 56 days we’ll cancel the policy.
  • We’ll notify you of any changes that result in a premium increase or decrease.

Copyright ©2018 Scottish Widows | Copyright, companies, legal and privacy information |  Accessibility | Site map

Important Information about Scottish Widows | Read about how we use cookies

Information within this site is intended for UK authorised and regulated financial advisers only. It is not intended for onward transmission to retail customers and should not be relied upon by any other person. If you are not an adviser please return to our consumer site.

Scottish Widows is not responsible for the content of third party websites. Separate terms apply to the use of third party websites and Scottish Widows does not warrant the accuracy, reliability, availability or otherwise of these sites.

By using this site you agree to our terms & conditions of use. Please read our copyright, companies, legal and privacy information. We may record and monitor calls to help us improve our service.

Scottish Widows Limited. Registered in England and Wales No. 3196171. Registered office in the United Kingdom at 25 Gresham Street, London EC2V 7HN. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 181655.

Scottish Widows Unit Trust Managers Limited. Registered in England and Wales No. 1629925. Registered Office in the United Kingdom at Charlton Place, Andover, Hampshire SP10 1RE. Tel: 0345 300 2244. Authorised and regulated by the Financial Conduct Authority. Financial Services Register number 122129.

HBOS Investment Fund Managers Limited, registered in England number 941082. Registered office in the United Kingdom at Trinity Road, Halifax, West Yorkshire HX1 2RG. Authorised and regulated by the Financial Conduct Authority. Financial Services Register number 119223.

Scottish Widows Bank is a trading name of Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales, no. 2065. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 119278.

Browser Warning: your browser may not be fully supported on this site. Visit our browser help page for a list of supported browsers.
close