Underwriting

One of the most controversial developments in the protection industry over recent months has been the use of Subject Access Requests (SARs). Russ Whitworth told Owain Thomas a war with doctors may not actually be on the cards

L&G has given the use of Subject Access Requests (SARs) a ringing endorsement and said they produce much better results than other methods of obtaining medical information.

WPA has introduced moratorium underwriting on its individual private medical insurance (PMI) plans for clients who fit certain criteria.

Pacific Life Re has applauded insurers for tackling the growing problem of long delayed GP reports (GPRs) by using data protection legislation to request medical information.

I do few PMI sales and want to cover my back with a business client. They are a wealthy couple in their 50s and both have had heart attacks. Obviously their PMI cost is high but they are looking at moratorium underwriting to alleviate this. Am I right...

LV= has changed its underwriting rules to allow more applications to receive an immediate online decision.

The government has begun consulting on how insurers can use gender as a risk factor after a European Court of Justice ruling said providers could not charge different premiums to men and women because of their sex.

My client has been reading about severity based payments for critical illness (CI) policies. I believe there is merit in polices that don't do this. In sales terms, what is the opposite side of the argument I can put to him?

Underwriting requires information, so what can your connections tell us? Greg Becker visits South Africa to look at one idea.

Aviva has overhauled its approach to large case underwriting, to make the process quicker and easier.