Find out how we assess lifestyle and BMI, and how it could affect your client’s cover.

It’s important your client tells us as much as possible during their application, because how they live their life can have an impact on the cost of their cover.

Full disclosure from the start means we can make a fair and accurate assessment. This helps avoid possible misrepresentation, which can result in a claim being declined.

BMI tool

Get indicative terms on body mass index (BMI) using our Pre-sale Underwriting tool in Agent Hub.

Get indicative terms on body mass index (BMI) using our Pre-sale Underwriting tool in Agent Hub.

Launch BMI tool

Speak to a Pre-sale Underwriter

Need more help? You can contact our team in two ways.

Call us

You can call our Pre-sale Underwriting team on 0370 333 3699.

We’re open Monday to Thursday 9.00am to 5.00pm and Friday 9.00am to 4.00pm.

We may record and monitor calls. Call charges will vary.

Contact us

Get a fast and accurate indication of terms with our Pre-sale Underwriting form, available to you any time.

Just fill in your client’s details, and one of our Pre-sale Underwriters will email you an indication of terms.

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Guidance on our different occupation classes.

Residency and travel

Our underwriting position for residency and travel.