Legal & General has made changes to its Income Protection Benefit medical evidence limits, as it looks to improve the application process for customers.
It claims the changes mean that fewer customers will need routine medical evidence as part of their application process allowing for quicker underwriting decisions, and more policies able to be put on risk automatically.
General Practitioners Reports (GPR’s) and Exercise Electrocardiagrams have been removed as a routine evidence requirement for Income Protection. Telemedical interviews have been introduced for all age ranges where routine evidence is required, while there has been a reduction in the number of age bands from five bands to three.
Russell Whitworth, underwriting and claims director for Legal & General, said: “We are continually reviewing and challenging our requirements in order to improve the process for customers. Telemedical interviewing or nurse screening examinations will give us the same results but more quickly than having to obtain a full GPR
