Guardian has upgraded its adviser quote and apply system with the launch of Protection Builder 2.0.
New features include intuitive tab-based navigation, enhanced multi-benefit functionality, easier dual life applications, improved portal integration, simplified non-linear underwriting questions, clearer decision display and underwriting tracking, greater post-decision flexibility and built-in beneficiary nomination, while the system also requires less data entry.
Guardian has also released an enhanced version of its Qi pre-sales underwriting tool.
Linking directly to the challenger’s underwriting question set, the upgraded self-service tool aims to give more accurate pre-sales decisions.
The tool allows advisers to enter key disclosures upfront – including multiple conditions, smoker status, family history, medical history, job, overseas travel, sports and pastimes, as well as alcohol usage – to give them an immediate indication of any rating which will affect the client’s premium.
In the case of critical illness or total permanent disability benefit, the tool will also show if there will be any exclusions.
Linda Holmes, chief technology officer, Guardian, said: “Our ultimate aim is to provide an effortless protection experience.
“Protection Builder 2.0 has been designed by advisers, for advisers, and reflects how they tell us they’re working with their clients in this evolving digital age. The upgraded system makes it easier for advisers to recommend the right mix of covers for clients within a single policy, via an intuitive and flexible digital journey,” Holmes continued.
“Alongside Protection Builder 2.0, we’re delighted to announce an important upgrade to Qi, our self service pre-sales underwriting tool. By now integrating directly with our question set, Qi gives accurate decisions at the touch of a button. This results in a better experience for clients, as their adviser can confidently set expectations at the outset.”
To celebrate the launches, Guardian revealed it is running a special offer for multi-benefit applicants. Between 4 July and 30 September 2022, clients who apply to take out at least two or more of Guardian’s core covers within a single policy, will be eligible for one month’s cashback. This is equivalent to one month’s premium up to a maximum of £400 per policyholder. To qualify, the policy will need to have gone on risk before 31 March 2023. Full details can be found on Guardian’s website.