Underwriting

"It is important that advisers can approach the whole market"

"AF is a reasonably frequent disclosure on life assurance applications"

Type 2 diabetics will benefit from innovation in underwriting aimed at boosting inclusivity

To embark on a cultural transformation

For life and income protection

"The more refined we can get, the fairer it becomes"

Faster indicative underwriting terms

"MS is a condition underwriters will see fairly often, and it does present some challenges"

Changes also made to medical evidence requirements

"The shorter the period since stabilisation, the more severe will be likely terms offered"