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Underwriting Outcome Indicators

To help you manage your client's expectations, we've developed a number of ways you can get an indicative decision and save time for you and your client.

 

Underwriting outcome tool

When applying for cover, your client will be asked a number of questions about their health and lifestyle. Depending on their answers there can be various outcomes, including an increase to their premium or an exclusion added to the policy. We've developed our underwriting outcome tool to allow you to input client information and obtain an indicative underwriting decision for some commonly disclosed illnesses and conditions.

Key summary:

  • A quick straightforward interactive tool saving you unnecessary phone calls
  • Helps you manage client expections and saves time by avoiding wasted applications
  • The tool covers 23 of the most commonly disclosed illnesses and conditions
  • This tool is designed to give outcomes for single conditions.

Access our Underwriting Outcome Tool below:
Launch tool.

 

XRAE

Provided in partnership with iPipeline, XRAE is an underwriting solution that allows you to enter client health and lifestyle information at pre-application stage. XRAE then gives the indicative rating that would be applied by us based on that information.

Key summary:

  • Helps you manage client expectations
  • Can give you an indication of terms
  • Available to AssureWeb portal and SolutionBuilder® users. To join click here.

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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.

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