Zurich has announced changes to its protection proposition in an aim to speed up processes.
It has increased its medical and financial underwriting limits and reduced the number of medical examinations and reports needed.
Medical evidence requirements have been improved for life cover for those aged 41 or more, depending on the sum assured. For critical illness cover cjanges have been made for those aged 36 or over.
Phil Brown, head of protection and underwriting at Zurich UK Life, said: "Our protection proposition is constantly evolving.
"We are trying to provide value while streamlining the application process to make it easier for advisers to do business."
Other changes include; wider use of nurse screenings in place of a doctor reports; raised threshold before full medical examination; and HIV test threshold raised to £1.5m for lives assured under age 60.
Financial questionnaire threshold and limit for additional financial evidence have been raised from £1m to £1.5m, and £1.5m to £2m respectively for life cover.
For critical illness they have been increased from £500,001 to £750,001 and £800,001 to £1,000,001.
Zurich has also introduced a new ratings approach for Armed Forces business.
The changes will apply to all new customers.