When you apply for Life, Critical Illness or Income Protection cover, we'll make an assessment of the risks - a process known as underwriting. Through this, we determine whether you're eligible for insurance cover and how much your premium will cost.

In some cases it's necessary to write to your GP (with your consent) to request a report or further information to enable us to make a full assessment of your application.

Click here for a brief guide on how we assess your application and reach our decision.


If you are using a financial adviser for this application, contact them for advice.