Large Cases Made Simple
Bespoke Service For Your Large Protection Cases
What Cases Are Eligible?
We recognise large protection cases, and the needs of your high-net-worth clients can be complex. We provide a bespoke service for large cases to get your clients covered as quickly and smoothly as possible.
Our bespoke service is available to the following cases:
- Life cover ≥ £1 million
- Critical Illness (CI) cover ≥ £500,000
- Monthly premium of ≥ £1,000 per month or £12,000 per annum
Our underwriting commitment to you
- A dedicated high net worth underwriting team to deal with your large cases.
- A specialist Case Manager to work alongside our already established high net worth underwriting team.
- Wherever possible, we aim to make our financial underwriting decisions at point of sale.
- Tele-underwriting for specific medical conditions designed to help save time.
- In 2023 50% of all GP evidence was received electronically when we needed further information on a client’s health. This is above industry average of 35.2%*. And 49.6% of reports were received within 14 days.
- Highly knowledgeable underwriters each having over ten years’ experience and a total of 137 years of experience in the industry.
- Expansion of the team to ensure a more seamless journey.
*survey from reinsurer Scor.
Our underwriting commitment to your clients
- Decisions made quickly and sensitively- within 24 hours where we can.
- Reductions in premiums for excluding some critical illnesses.
- Majority of financial underwriting completed at point of sale.
- Your client has a named point of contact with regular updates.
- We aim to get back to your client by the end of the working day if they have any queries.
- Free accidental death cover.
- Practical and emotional support, including counselling services from an experienced nurse from day 1 of the policy for clients and their family, with our partner RedArc.
- Clients and their immediate families have access to medical expertise from the comfort of their home with 24/7 access to GPs, with our Clinic in a Pocket® appointments.
- For clients diagnosed with cancer, we help access emotional support, physical information, financial guidance and much more for your clients and their loved ones from our partnership with Macmillan Cancer Support.
Bespoke Service
- A dedicated account manager who’ll see your case through to completion.
- Your own dedicated telephone number and email address with a direct line.
Our process in more detail
High Net Worth application submitted and received on our system
- Once a piece of underwriting evidence is received, the Case Manager will call or email you to confirm receipt and that this will be reviewed by an underwriter.
- If any further evidence is necessary upon receipt the Case Manager will call or email you to confirm.
- Weekly updates will be sent to inform you on the position of your case.
Underwriting
- Your case will be assigned a team of dedicated Underwriters and will be reviewed with required evidence and updated to an underwriting summary sheet as 'current process'.
- The case will then be returned to your Case Manager to follow up.
Case Manager to obtain required evidence and keep in regular contact
- Your Case Manager will contact you to confirm required evidence to underwrite the case.
- As part of the process we will regularly follow up with GP surgeries, third party medical providers and yourself for any outstanding evidence.
- We will also keep you up to date with the progress of any outstanding evidence.
Once any piece of evidence is received
- Once a piece of underwriting evidence is received, the Case Manager will call or email you to confirm receipt and that this will be reviewed by an underwriter.
- If any further evidence is necessary upon receipt the Case Manager will call or email you to confirm.
- Weekly updates will be sent to inform you on the position of your case.
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Underwriting Specifics
LIFE COVER SUM ASSURED FINANCIAL EVIDENCE REQUIREMENTS CRITICAL ILLNESS COVER SUM ASSURED FINANCIAL EVIDENCE REQUIREMENTS Up to £1,000,000
Nil Up to £500,000 Nil £1,000,001 to £3,500,000
Simplified online underwriting £500,001 to £1,500,000 Simplified online underwriting Over £3,500,000
Independent evidence - manual assessment Over £1,500,000 Independent evidence - manual assessment