Once you’ve submitted your application, it will be sent to our underwriting team who give careful consideration to each application.


Your age, health, build, smoker status, family history, lifestyle, occupation and hobbies are all taken into account when reaching a decision.


We may need to contact you, your Financial Adviser or your GP for further information to help us assess your application.

This will ensure you receive our best possible premium for your circumstances.


For further details about how we assess your application and possible decisions click here.