Royal London has expanded its pre-sale underwriting tool to include more than 3,600 medical conditions – up from the 60 currently covered.
The mutual said the change would make it easier and faster for advisers to get indicative underwriting terms and any underwriting requirements.
Health & Protection has asked Royal London how many more cases are likely to be given underwriting terms by using the updated system.
Advisers can choose to continue to use existing functionality to select from the 60 most commonly disclosed medical conditions during their online journey.
However, Royal London added that depending on individual client requirements, the new search function will allow advisers to look across all conditions within the online rules that generate a decision, increasing the search to include 3,633 medical conditions.
It noted that usage data will be collected to refine and improve the tool.
Royal London chief underwriter Craig Paterson (pictured) said the mutual believed this would mean advisers will be able to offer clients “a much clearer view of the likely underwriting decision, and any underwriting requirements that may be needed”.
He added: “We understand conversations on health conditions can be sensitive and by improving our pre-sale journey we hope these conversations will become easier.”
