Behavioural and health science data applied to underwriting process
VitalityLife has reduced the upfront underwriting requirements for clients opting into Vitality Optimiser and Wellness Optimiser plans by applying health and wellness data to the process. Only five medical questions need to be completed for life and serious illness cover (SIC) applications and according to Deepak Jobanputra, deputy CEO at VitalityLife, the Optimiser range offers "a huge advantage in providing an easier underwriting journey because we're able to apply behavioural and health science...
Only a quarter of multinationals have pooling in place
Equates to seven million people
Regulation needs to recognise that a funeral plan, unlike other financial products, is a service
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