Virtual Underwriter - your questions answered

The underwriting opinions given on this site are the views of Royal Liver and may not reflect the views of other protection providers.

This site should be used as a guide to our underwriting process. Decisions are not guaranteed, please refer to product Terms and Conditions.

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Welcome to our Virtual Underwriter. It's a behind-the-scenes view of our underwriting philosophy and rules.

By using the search facility or the most commonly asked questions you can get access to medical underwriting advice and an insight to the decisions we may make on specific conditions.

You can also take a closer look at some of our processes to help you and your customers to get the most out of e-only business processing.

progress is unique in the IFA market place in that it combines:

  • no automatic medical limits for life cover
  • online intuitive questioning to get customers on risk more quickly
  • proper tele-underwriting (not data capture with another name).

The result is that a large proportion of our IFA applications go on risk without the need for a GP report.