Find out more about our medical and financial evidence limits and the types of medical evidence we might ask for.
We’ll automatically ask for some types of medical evidence from your client if they’re a certain age or if they request a certain level of cover – even if they have no known medical conditions. This is so we can apply the correct terms, based on complete and accurate information at the application stage.
Automatic evidence also protects your client if they need to claim, because we’ll factor any increased risks into the cost of their cover.
You can use our Pre-sale Underwriting tool in OLP Connect to get an indication of terms for medical limits.
You can call our Pre-sale Underwriting team on 0370 333 3699 .
We’re open Monday to Thursday 9.00am to 5.00pm and Friday 9.00am to 4.00pm.
We may record and monitor calls. Call charges will vary.
Get a fast and accurate indication of terms with our Pre-sale Underwriting form, available to you any time.
Just fill in your client’s details, and one of our Pre-sale Underwriters will email you an indication of terms.
This is the most important piece of underwriting evidence, as it forms the basis of the contract. Please make sure answers are precise and accurate so we can get your client on risk as soon as possible.
The Declaration of Health (DOH) is an opportunity for your client to tell us about any changes to their health or other relevant circumstances since their application was submitted.
The information is valid for 3 or 6 months depending on the amount of cover. After this period, a DOH can be used to extend the validity of the application, provided the application date is less than 12 months old. A new application will be needed if the application is more than 12 months old.
You can complete an Electronic Declaration of Health on behalf of your customer in OLP Connect.
| Type of cover | Sum assured | Medical information is valid for (from date of application or medical examination) |
|---|---|---|
| Life Cover | £500,000 or below | 6 months |
| Over £500,000 | 3 months | |
| Critical Illness Cover (CIC) | £350,000 or below | 6 months |
| Over £350,000 | 3 months | |
| Income Protection Benefit (IPB) | Any amount | 6 months |
We’ll also need a DOH if your client wants to:
This form allows your client to give us information about existing cover, earnings, net worth and last year's profits (for Key Person cover).
A financial questionnaire that gives information about your client’s income, concurrent and existing cover, and details relevant to their personal needs.
For higher sums assured or complex applications, this form may need countersigning by a third party such as an accountant, solicitor or bank manager who is independent of the application.
A financial questionnaire that gives information about income, concurrent and existing cover and details relevant to your client’s business needs.
For higher sums assured or complex applications, this form may need countersigning by a third party such as an accountant, solicitor or bank manager who is independent of the application.
A specially trained nurse or underwriter contacts your client to speak to them about a medical condition they have disclosed on the application form, or about their general health for age sum assured purposes.
This is a short questionnaire that’s sent to your client’s GP, instead of a General Practitioner’s Report. It asks specific questions relating to a condition that has been disclosed by your client.
A maximum of two targeted reports will be issued per customer; above this a Patient Health Report (PHR) will be issued. A PHR will always be requested over age sum assured limits, irrespective of the disclosed conditions.
This is a report based on your client’s medical records. The report covers:
The report can be requested either as part of the age sum assured evidence or due to medical disclosures made by your client.
These are based on your client’s medical records and are completed by your client’s GP. The reports cover:
This is a standard industry format report, based on your client’s medical records and is completed by your client’s GP. The report covers:
It can be requested either as part of the age sum assured evidence or due to medical disclosures made by your client.
This is a report based on a screening performed by a nurse at a convenient place for your client such as at work or home. It can be requested either as part of the age sum assured evidence or due to medical disclosures made by your client.
Information collected during the screening includes:
Your client must supply a telephone number so that the nurse can contact them to arrange the appointment.
This is a report based on a screening performed by a nurse at a convenient place for your client, such as at work or home. It can be requested either as part of the age sum assured evidence or due to medical disclosures made by your client.
Information collected during the screening includes:
This is a report based on a medical examination completed by your client’s GP or an independent doctor provided by a third party.
It can be requested either as part of the age sum assured evidence or due to medical disclosures made by your client.
Information collected during the examination includes:
Checking Your Details (CYD) forms are sent to your client once a policy number is produced.
The form includes all possible amendments that have been made since the application was submitted. Only risk information is shown to your client.
It’s important your client checks the information and makes any amends. Amendments can potentially cause the terms to change, which may delay the application going on risk. An underwriter will review any amends.
To reduce the chance of this happening, please double check the following before submitting the application:
Depending on the stage of the application there may be:
If the case has been authorised, we’ll send a letter to your client telling them we need further information and will maintain cover for 60 days whilst we carry out this review. However, if we can’t obtain the information within this time period at the end of the 60 days, the policy will be cancelled.
If the case hasn’t been authorised, we’ll write to your client telling them the original decision has been removed and the underwriting process restarted.
