All cases you send are important. But we understand that some need a specialist approach. Our dedicated large case team manage your high-value clients, from start to finish.
We have competitive financial and non-medical limits – meaning less paperwork for you, and a simpler process for your client.
We don’t routinely request a financial questionnaire until your client’s cover goes over £2.5million for Life Insurance, and £750,000 for Critical Illness Cover. If your client has existing policies with another provider, the financial questionnaire could be triggered earlier.
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Protection Large Case Team
Our service promises
Our proactive service means that if there are restrictions along the way, we’ll do our best to find a positive outcome for you and your client.
Direct access to specialists
- Speak to the right person, at the right time – have direct access to our specialist teams, including our underwriters, when you need them.
- Technical experts – they’re on-hand to support the application and keep you informed throughout.
Proactive case management experts
- With dedicated underwriting support from the start, including pre-sales queries, your client’s application will be significantly quicker.
- Medical evidence is reviewed within 24 hours of receipt. We underwrite on each piece of evidence as it comes in.
- We look at every case with a view to providing cover. On a case-by-case basis, we can review options for non-standard term cases and price matching. Speak to your account manager to explore this further.
Flexible medical examination arrangements
- If your client is asked to undertake a medical, we’ll arrange for them to be seen by a medical expert, at a location that’s convenient to them.
- We can use existing medical evidence – like blood tests and health screenings – as long as they’re clear and less than 6 months old.
- We’ll only ask for your client’s company accounts when their cover exceeds £3.5million for life insurance and £1.5million for critical illness cover. If we do need further financial information, we’ll work with you to find the best way of obtaining this.
Further things to consider
Qualifying criteria
Streamlining the application process
Choosing us for high-value business
We stand out from other providers – offering you and your client a dedicated service:
Multi-skilled team – our experienced specialists manage your high-value cases from start to finish.
First contact resolution – we’ll resolve your new business queries directly, without needing to pass you around different departments.
No routine request for third-party signatures – on our financial questionnaire for cover under £3.5million for life insurance and £1.5million for critical illness cover.
Quick response – we aim to reply to your enquiries within one day.
One of the highest non-medical limit trigger points in the market – meaning a simpler process for you and your client.
‘One policy’ Gift Inter Vivos product – with only one application throughout the life of the policy - saving you time, and making the process simpler for your client.
94% claims paid – of all new individual protection claims in 2023. This includes whole of life products that are no longer available (including some non-underwritten guaranteed whole of life products).
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