Aviva has introduced a number of changes designed to help to speed up the onboarding of protection customers, following a review of its non-medical limits.
From this month, its protection products – excluding Simple Life Insurance – will see improvements made to its non-medical limits at younger ages for life cover and critical illness cover. The move means a higher threshold at which the life office will request medical evidence.
The provider has also moved the “vast majority” of routine exercise ECGs to a “simple” blood test for its protection products – excluding Simple Life Insurance – in a move which it said will speed up applications. That change will also apply to requirements for some customers aged 50 and over, who would already be required to give a blood sample. Details are available here.
A spokesperson for Aviva said that by replacing almost 75% of doctor examination requests with nurse examinations at lower sum assured values, it is providing greater flexibility for advisers’ clients. Nurse screenings can be carried out anywhere, such as a client’s home or workplace, rather than having to arrange an appointment at a doctor’s surgery.
The spokesperson added that Medicals Direct will be in touch with new and pipeline applicants to book screenings where required and the provider will only go ahead and book an appointment with a client if they are happy to do so and have agreed to it.