Underwriting

My 45-year-old client was made redundant due to the recession, but has recently started a new yet much lower-paid job. With his income protection (IP) policy covering his last wage level, he is now over-insured and would not be able to claim his full...

Critical illness products are continually evolving worldwide. With this in mind, Greg Becker checks out some interesting developments in Hong Kong.

Dozens of soldiers have been killed in Afghanistan without taking out life insurance while thousands more have served active duty without cover, it has been revealed.

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.