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Underwriting for life insurance. 

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About underwriting.

The process of underwriting is where we decide if we can offer a customer the cover they have applied for and what premium they should be charged.

The application process involves answering questions that are designed to capture the information we need to build a clearer picture of the life to be insured and the risk factors which may increase the likelihood of them claiming.

Honest and accurate disclosure
Please ensure that your client takes care to answer all questions honestly and fully. If they miss any information out, or give us misleading information, this may mean that a future claim will not be paid.

Underwriting risk factors

  • Health
  • Family History
  • Height and weight
  • Lifestyle (smoking, drinking, drugs)
  • Occupation
  • Hobbies
  • Residency and travel
  • Level and type of cover applied for

The application process involves answering a set of questions that are designed to capture the information we need to build a clearer picture of the life to be insured and the risk factors which may increase the likelihood of them claiming.

These questions can be captured straight on to our online application or on a paper application (and captured online at a later stage).

Once the case has been captured online and submitted all the information will be fed through our online underwriting rules engine (URE).

At this point one of the following decisions will be made:

  • Case accepted at standard terms
  • Case accepted with a loading or exclusions
  • Medical/financial requirements requested
  • Case referred to an underwriter

This information is obtained for two reasons - due to the level of cover applied for or due to disclosures on the application form. Automatic evidence, obtained because of the level of cover, can be found in our non-medical limits section.

Wherever possible, where your client has disclosed information, we will make decisions based on the completed application form alone. Where further clarification is required we will obtain one or more of the following:

  • A General Practitioner Report (GPR)
    This is a medical report completed by the applicant's GP based on their overall history. In order to avoid delays we will always try to request alternative evidence. A GPR is more likely to be requested where there are multiple medical problems, or where technical information is required which the client is unlikely to know.
  • A Targeted GPR (TGPR)
    This is a medical report completed by the applicants GP. Unlike the GPR, the TGPR provides detailed information related to a specific condition, for example diabetes or cancer, and not the applicant’s full medical history.
  • A medical examination
    The client undergoes a medical by a nurse or a doctor which provides us with details of their current health. 
  • Tele-Underwriting
    Sometimes the underwriter needs more information relating to a disclosed condition. In this instance a nurse will call the client to obtain the relevant information. This helps to speed up the application process.
  • Other medical tests
    These can include cotinine (a test to confirm smoker status), HIV, ECG and other blood tests.
  • Hobby questionnaires
    If a client has a hobby such as scuba diving or mountaineering we will require further information from them. In many cases we can make an underwriting decision based on the information disclosed on the application, but in certain instances we will require a specific questionnaire to be completed in order to obtain the relevant information to assess the risk.
  • Financial questionnaire
    This is required when cover levels exceed the financial limits and provides us with details about the client's financial situation to confirm the cover levels applied for are justified. For Business Protection Cover the financial questionnaire is included in the application form.

Read our underwriting guide

Once the underwriters have all the information they need, one of the following decisions will be made – the adviser and client will be advised of the decision in the acceptance letter.

Decision What it means
Accept on standard terms Client is accepted on VitalityLife’s normal rate of premium.
Loading/rating This is an increase charged on the premium because the applicant is a higher risk than average.  The increase to the premium will vary by case, to match the increased risk.
Accept on special terms
This is where we exclude coverage for a certain condition, but generally charge our normal rate of premium.*
Rating and an exclusion 
This is a combination of the above.
Postpone The underwriting decision needs to be delayed - this usually happens when a client has recently been diagnosed with a condition or is currently showing symptoms of illness which are still being investigated or remain undiagnosed.
Decline Cover cannot be offered because the risk is too high.
* A discount is offered if a full cancer exclusion is applied to Serious Illness Cover (SIC)
The majority of ratings are in the form of percentage extra mortality (EM), and are a multiple of the basic premium. A rating of +55% EM will therefore be an additional 55% of the basic premium. Extra mortality is charged from +27.5% to +220% - above this amount the risk is considered too speculative and will be declined.

An EM rating is not appropriate for risks which are not age related, for example cancer. For this risk a cash extra is charged, based on the sum assured. An extra will be charged for every £1,000 of the sum assured, expressed as an amount "per mille". These are usually temporary loadings applied to the first few years of the policy. For example, if the rating were £5 per mille for 8 years, and the sum assured were £80,000, the annual extra would be calculated as 5 x 80, then divided by 12 for the monthly extra premium (£33.33).
For serious illness and disability benefits it can be more appropriate to use an exclusion. Wherever possible we will offer full cover with an extra premium, but if the client has a pre-existing condition which has a high chance of causing a claim we will exclude that condition. Exclusions are never used for Life Cover.

Request access to our digital underwriting tool, Spectra.

Spectra is designed to provide you with immediate day-or-night access to the likely underwriting decision for your clients.

The tool improves the visibility of indicative underwriting decisions - making it easier for your clients to take out a life insurance plan with Vitality. To help you understand more about Spectra, access our training module on the Vitality Academy.

If you would like to find out more and details on how to gain access to Spectra, please email our underwriting team or speak to your Vitality Business Consultant.
Email our underwriting team now

Where to next?

  • Conditions Covered

    Look up the common conditions covered in our plans for your clients.

  • Financial Limits

    See what level of financial evidence is required from your clients.

  • Life Insurance Homepage

    Positively different life insurance covering Personal, Business and Mortgage protection.

  • Non-Medical Limits

    See what type of medical assessment is required from your clients.

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