Underwriting Experience

That’s why we draw on the expertise of a group of senior underwriters with comprehensive experience in mature life insurance markets like the UK and South Africa. We also constantly review our underwriting tools, such as medical limits and tests, to make sure we minimise any inconvenience to our customers. And we strive to keep pace with medical developments and the latest thinking globally to find ways of accepting an even broader range of customers. Our aim is to insure faster, simpler, and on the best possible terms.

We also believe that our underwriting process should be transparent. So we encourage open communication between our assessors, partners and your customers, encouraging people to speak directly to us whenever they’d like an explanation of anything we do, or need our advice or assistance.

Our Philosophy is: simple – easy underwriting is essential to providing quick and accessible insurance to your customers.

Most of our direct insurance products are available with a limited number of questions. Customers also won’t need to sit a medical assessment before we insure them. This makes applying for insurance quick, easy, accessible and of course non-intrusive.

Our Philosophy is: often guaranteed – regardless of medical history

We also offer guaranteed issue policies, so your customers know their loved ones will receive a guaranteed death benefit regardless of their medical history. This benefit requires no medical assessment and is based on our life expectancy tables and the age of the insured.