Ellipse has improved the way it calculates free cover limits on its group life schemes.
The group risk provider has tweaked its process to ensure only members whose benefits are a long way from the scheme average are underwritten.
It said this should minimise the number of members whose benefits require underwriting, with the biggest impact being on small schemes.
John Ritchie, chief executive of Ellipse, said: "The changes to automatic acceptance limit will benefit small schemes in particular, reducing the need to underwrite as frequently and making the process easier."
The provider is expected to launch its group income protection and absence management programme soon.
Advisers need to complete a terms of business agreement before they can register to use the insurer's online systems, including its quote service for schemes with up to 500 members.
