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Underwriting

Interactive online underwriting for instant decisions and fair client outcomes.

 

Features

  • Tailored underwriting questions; we only ask the necessary and relevant questions
  • Financial underwriting included
  • Underwriting decisions clearly set out
  • Options for rated applications to help prevent 'no go' scenarios

 

Underwriting Decisions

The aim of our online underwriting is to provide your clients with instant decisions and access to immediate cover. Once you've submitted your client's underwriting responses, we'll provide you with the relevant underwriting decision.

  

Exclusions

In instances where we have to exclude some critical illnesses, there can be an associated reduction in the cost of cover as a result.

 

Additional information required

Should we have to ask for evidence, an individual case owner will be assigned and we'll only ever ask for the information we need in order to make a decision. When a decision can be made, we'll get in touch with you by phone or email to confirm this. You can then retrieve the application online and proceed as you and your client have decided to.

You and your client have up to 90 days from the date terms are offered to decide how to proceed. So should you and your client need to review the situation before deciding how best to proceed, you'll both have the time to do this without being pressured to make a quick decision.

 

Proposal Tracking

Use our Proposal Tracking service to monitor the progress of any applications that we're taking care of for you, for example if we've had to contact your client's GP for supplementary medical information. You'll be able to see details of application histories and also see when a case is ready to proceed.

 

Next steps

Complete protection application and go on risk.

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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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