UK Life Insurance Cover

For reliable and cheap life insurance cover

Why do delays occur?

Usually it’s because your case has been referred to a specialist insurance underwriter, or because further information is required about you.

There are several reasons why delays can occur. Some of them can be ironed out by the efficient approach at Brokers Online. Some are an inevitable result of a process that involves specialist insurance underwriters and requests for information from doctors.

The business of completing your application details can be streamlined by Brokers Online. If you complete the forms on the phone - 01625 416 280 - you’ll save several days of delay while the forms are posted back and forth. Instead, Brokers Online will electronically transmit your details to the Insurance Company.

In some instances, your application may be passed to a specialist underwriter to consider, in which case some level of delay is inevitable and there is little that can be done about it. If the underwriter considers your details and decides to approve your application without any further information, the delay is probably going to be about 2 weeks. (Remember that if you are in a hurry you should let Brokers Online know on 01625 416 280 and they may be able to move things along.)

In around 1 in 7 cases the Underwriter will ask for additional information. In most cases this will be health-related information, but it could also be about your job or your hobbies. If the Insurance Company requires more information about your job or other pastimes, you’ll be sent a supplementary questionnaire in the post. You’ll need to complete and return this as soon as you can.

If the query relates to your health, the Underwriter has several alternatives. He might write to your Doctor for more details or he may ask you to have a “mini-medical”, or even a full medical. (The Insurance Company will cover the costs if a medical is required.) We’ve found that Insurance Companies ask for additional medical information in around 1 in 10 cases. It is fairly routine, and not something to be worried about.

However, as you may have suspected, the process of requesting additional medical information does tend to slow down the application procedure. Busy doctors don’t always get round to dealing with requests from Insurance Companies straight away! Delays of around 6 to 8 weeks are quite common at this stage. But remember to call Brokers Online on 01625 416 280 if you need to hurry this along.

Other relevant questions…

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