"As time passes, there is an increasing risk of further health issues arising"
"There are a wide range of underwriting outcomes from standard to decline"
Customers with minor conditions will now be accepted on standard terms
"It can have a major impact for disability cover or benefits"
Changes follow feedback from advisers
“I've given young underwriters the opportunities to grow and spread their wings”
“The excitement is that we can do things better, that things will change”