The type of cover your client chooses can affect our underwriting decision. This section outlines the factors we take into consideration for our protection products, including maximum ratings and exclusions, and definitions for Total and Permanent Disability.



Underwriting criteria

More from Adviser Protection


Get pre-sale support, including underwriting limits, BMI, and how to get an indication of our terms.

BMI and lifestyle

Find out how we rate your client’s BMI limits and lifestyle.

Residency and travel

View our underwriting position for residency and travel.

Get in touch

Contact our Pre-sale Underwriting team if you need further information, or support with your business.

0370 333 3699

We’re available Monday to Thursday 9am to 5pm and Friday 9am to 4pm.

We may record and monitor calls.

Call charges will vary.