Why are there delays in getting an underwriting decision?

We'll always try to assess your application as quickly as possible. But depending on the amount of protection you're applying for, and the information you give us on your application form, we might need to get more information to complete the underwriting process. For example, we might ask: 

  • your GP to provide a medical report; 
  • you to attend a medical examination; or 
  • for more tests to be carried out before we're able to offer cover.