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Pre-Underwriting

Know the likely terms before you apply.

See how each provider is likely to treat your client's health and BMI. One search, every provider, with Life, Critical illness and Income protection side by side.

  • 15 UK providers
  • 93 conditions
  • BMI lookup
Get 14-day free trialBook a demo

Included in Pro at £35 a month.

Try it

Search a condition. See every provider.

Pick a condition, answer the follow-up question and see how outcomes compare across providers.

This sample uses invented results so you can see how it works. The full tool currently covers 93 conditions and 250 scenarios.

Pre-Underwriting

Illustrative

Follow-up question

How would you describe your client's asthma?

Indicative results

Sample of 5 providers. The full tool covers 15.

Showing indicative results for Asthma, moderate.

  • Provider A
    LifeStandardCIStandardIP+50%
  • Provider B
    LifeStandardCIExclusionIPDecline
  • Provider C
    LifeStandardCIStandardIPStandard
  • Provider D
    Life+50%CIReferIPDecline
  • Provider E
    LifeStandardCI+25%IPExclusion
  • Standard terms
  • Rating or exclusion
  • Decline or postpone
  • Refer to underwriter

Illustrative example. Outcomes are invented and do not represent any provider's terms.

Why it matters

No more ringing round.

A medical disclosure usually means calling each provider and waiting on hold, or completing a full application before you get any indication. Pre-Underwriting gives you a likely answer from every provider in one search, so you can approach the right ones first.

What you can do

Built for protection advisers.

Search 93 conditions

Type a condition, symptom or medication, or browse all 93 conditions and 250 scenarios from A to Z. More being added all the time.

Every provider side by side

Compare Life, Critical illness and Income protection outcomes across providers in one view.

BMI lookup

Enter your client's height and weight to see each provider's likely BMI terms.

How it works

Three steps to an indication.

  1. Step 0101

    Search the condition

    Start typing a condition, symptom or medication your client has disclosed.

  2. Step 0202

    Answer a couple of questions

    Short follow-up questions narrow it down to your client's scenario, such as how well it is controlled.

  3. Step 0303

    Compare indicative results

    See each provider's likely outcome for Life, Critical illness and Income protection, then choose where to apply.

Clear at a glance

Every result is colour coded, so you can see where a case is likely to land.

  • Standard terms
  • Rating or exclusion
  • Decline or postpone
  • Refer to underwriter

Frequently asked questions

Questions, answered.

Are the results guaranteed?+
No. Results are indicative and for research only. They show where a case is likely to land, and final terms are always set by each provider's underwriters.
Where does the information come from?+
Pre-Underwriting is built from our own collated pre-sale research across each provider. It is a guide for advisers.
Which providers and products are covered?+
15 UK protection providers, with results for Life, Critical illness and Income protection side by side.
Is Pre-Underwriting included in my plan?+
Yes. Pre-Underwriting is included in the Pro plan at £35 a month, and you can try it with a 14-day free trial.
Does it replace speaking to an underwriter?+
No. It helps you decide which providers to approach first. Complex cases may still need a conversation with the provider's underwriters.

Ready to try Pre-Underwriting?

Start your 14-day free trial of Pro. Pre-Underwriting is included, alongside every Fact Find.

Get 14-day free trialBook a demo

Results are indicative and for research only. Final terms are always set by each provider's underwriters.