Underwriting Hints and Tips

Through our work in the life insurance market we have a good understanding of how insurance companies react to underwriting risk.

Here we share some of the tips we have learned.  But please remember there are no hard and fast rules, every case will be underwritten on its own merit, and insurance companies change their underwriting views all the time

Its important to be aware that cheapest is not always best.  An insurer may charge a pound or so more than the cheapest, but if the cheapest then increases their rates by 50% due to a medical disclosure then the one at a pound more is the best choice – assuming they don’t increase their rates in the same way.

In the pages below we try to give you some information to prepare you for common underwriting outcomes.

Medical conditions

Occupational and recreational risk

Risk assessment requirements

Insurance company medical underwriting help lines

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