Aviva is transitioning more than 80% of medical examinations from traditional doctor examinations to nurse-led medical screenings.
The insurer said the changes to its non-medical underwriting limits aimed to make the process more convenient for customers and improve end-to-end turnaround times.
Unlike doctor examinations, nurse screenings can be carried out in a customer’s home or workplace, removing the need to travel to a GP surgery or medical centre, the insurer noted.
It said this change meant appointments could be arranged quicker, helping to reduce the time to complete a medical examination by up to 50%, allowing financial advisers to place business faster and more efficiently.
Aviva added this was another step in changes to it’s underwriting approach including an AI summarisation tool for critical illness and life insurance.
Robert Morrison, chief underwriting officer at Aviva, said: “We’re continually looking for ways to make underwriting faster, simpler and more customer-focused without compromising on the quality of our risk assessment.
“By shifting more medical evidence requirements to nurse-led screenings, we’re helping customers get their cover more quickly.
“At the same time, we’re using technology, including our AI underwriting summarisation tool for life and CI. These improvements mean a more efficient experience for customers and advisers.”