Our approach to underwriting

We understand that a simplified underwriting journey is important to you. That’s why our process can be adapted to both a telephone-based and online journey. We’ve ensured you can make full and accurate disclosures easily, giving the confidence that a claim will be paid.
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Quote and apply, online

Fastway helps you protect clients quicker. It’s our online quote and apply system for our protection products: Life Insurance, Life and Critical Illness Cover, Income Protection, Personal Sick Pay, Family Income Benefit and Business Protection

Fastway delivers a fast and flexible application journey – put your clients on risk quicker, and get an immediate underwriting decision for:

  • Over 73% of Life Insurance and Life and Critical Illness clients.
  • Over 60% of Income Protection and Personal Sick Pay clients.

If terms can’t be offered on Fastway, our underwriters will review the case within 4 hours. We’ll then update you on the next steps.

If we need a doctor’s report, we can request that immediately, as consent to access medical records will have been received online.

We regularly monitor the quality of our underwriting decisions through internal and external processes. This means our underwriters continue to offer the best possible decisions with the information available.

More on Fastway.

Specialist support


Business Protection

All cases you send to us are important. And we understand business protection requires specialist support. Our team is made up of senior underwriters and policy administrators – meaning we’re well suited to support all your Business Protection cases.

More on Business Protection support.

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94% of individual Protection claims accepted including 99% for Life insurance**

88% of Critical Illness claims and 93% of Income Protection claims*.

A word from our underwriting team

Chloe, one of our expert underwriters, talks about assessing your client’s application and how you can support the underwriting process.
Contact Phone

Let's talk

0800 678 1890

9am - 5pm Mon-Fri

TextDirect: first dial 18001. We will record or monitor calls for training and audit purposes.