A partial decline will happen when we’re unable to offer cover which your client has applied for, or unable to insure one of the lives under a joint life application.
- The online quote and apply process will provide the appropriate underwriting outcome for each cover and life that has applied.
- You can then complete a new quote, and apply for another option that may be available to your clients.
Manual Underwriting Decision:
- Your client will receive a letter from us letting them know we are unable to offer the cover requested and will ask that they contact you as alternative options may be available.
- We will contact you to advise what our decision is and what options are available. Based on this discussion, we will then send out the revised acceptance terms.
Call or email us to discuss the options available, or let us know how you wish to proceed.
If we don’t receive a response within 30 days the application will be cancelled. Should you wish to continue with the application after this point please call or email us.