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Online Underwriting

Why submit your case online?

With over 17 years' experience of online underwriting assessment we have been able to produce a compelling interactive proposition. With tailored questioning we can give an instant decision to the majority of your clients that fall under our automatic evidence limits, letting you place your client on risk immediately.

Our expertise of producing interactive application questions will let us capture the majority of your clients' disclosures. You can be sure that we will only ask the necessary and relevant additional questions for us to give your clients fair outcomes.

If you apply online, we can capture over 10,000 different types of disclosures which can be instantly assessed by a bank of over 2,000 rules. This is something that is impossible to re-produce in a paper based application.

Even when we need automatic evidence requirements our online process is still the best way to submit your business. Collecting the information from your client at application allows us to focus on targeted reports to GPs and simple nurse screenings. We have also built a simple online financial underwriting calculator which removes the need for long winded traditional forms.

Key Points

  • 17 years' experience of interactive underwriting
  • Tailored questioning
  • Instant decisions and immediate acceptance
  • Facility to easily edit, add new and delete answers
  • Rated options to suit customer needs
  • Signature-less process
  • Significant reduction in medical evidence requests
  • Online financial underwriting
  • Help text/warning message to assist through the application journey
  • Printable summary screen of all questions/answers for your client to take away that day
  • Up front, indicative decisions through our underwriting outcome tool, or by XRAE provided in partnership with iPipeline.


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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.

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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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