GUIDE TO OUR UNDERWRITING LIMITS.
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1 UNDERWRITING LIMITS 1 UNDERWRITING LIMITS GUIDE TO OUR UNDERWRITING LIMITS. This guide explains our medical and financial limits. This information may change in the future. This is not a consumer advertisement. It is intended for professional financial advisers and should not be relied upon by private customers or any other persons.
2 UNDERWRITING LIMITS 2 CONTENTS Medical Evidence Limits - Life 3 Medical Evidence Limits - CIC 6 Medical Evidence Limits - IPB 9 Financial Limits 11
3 UNDERWRITING LIMITS 3 MEDICAL EVIDENCE LIMITS LIFE. SUM ASSURED ( ) UP TO: UP TO 35 AGE NB AGE NB AGE NB AGE NB AGE NB AGE NB AGE NB AGE NB 75 AND OVER AGE NB Up to 25,000 25,001 50,000 50,001 75,000 75, , , , , ,000, NSE**, 250, ,000, NSE**,, NSE**, 300, ,000, NSE**,, NSE**, 350, ,000, NSE**,, NSE**, 400, ,000 SMR,, NSE**,, NSE**, 450, ,000 SMR,, NSE**,, NSE**, 500, ,000 SMR,, NSE**,
4 UNDERWRITING LIMITS 4 MEDICAL EVIDENCE LIMITS LIFE. SUM ASSURED ( ) UP TO: UP TO 35 AG E NB AGE NB AGE NB AGE NB AGE NB AGE NB AGE NB AGE NB 75 AND OVER AGE NB 600, ,000 SMR,, NSE**, 700, ,000 SMR,, NSE**, 750,001 1,000,000 SMR, SMR, 1,000,001 1,500,000 SMR, SMR, SMR, 1,500,001 2,000,000 SMR, SMR, 2,000,001 3,000,000 HIV (blood) 3,000,001 5,000,000 HIV (blood) 5,000,001 7,500,000 Over 7.5 million
5 UNDERWRITING LIMITS 5 MEDICAL EVIDENCE LIMITS LIFE. KEY EVIDENCE REQUIREMENTS: Subject Access Request for full medical records. SMR Specific Medical Record for applications submitted through interactive OLPC. for applications submitted through standard OLPC or on paper. NSE MER HIV ECG Ex (T) ECG Ex (T / B) MSU Lipids LFT RFT FBC HbA1c Nurse Screening Examination (previously Paramedical Examination Report) Medical Examination Report Human Immunodeficiency Virus Test Exercise ECG (Treadmill) Exercise ECG (Treadmill or Bicycle): If possible coronary disease is suspected a treadmill test must be requested Microscopic Urinalysis Non-fasting profile (including Lipids / LFT / RFT / FBC) Non-fasting Lipids Liver Function Tests Renal Function Tests Full Blood Count A test for blood sugar level ** HbA1c may also be requested
6 UNDERWRITING LIMITS 6 MEDICAL EVIDENCE LIMITS CRITICAL ILLNESS COVER. SUM ASSURED ( ) UP TO: UP TO 30 AGE NB AGE NB AGE NB AGE NB AGE NB AGE NB AGE NB AGE NB OVER 65NB Up to 30,000 30,001 50,000 50,001 75,000 75, , , , , , , , , , , ,000, 350, ,000,
7 UNDERWRITING LIMITS 7 MEDICAL EVIDENCE LIMITS CRITICAL ILLNESS COVER. SUM ASSURED ( ) UP TO: UP TO 30 AGE NB AGE NB AGE NB AGE NB AGE NB AGE NB AGE NB AGE NB OVER 65NB 400, ,000, 450, ,000, 500, ,000, 600, ,000,,, 750,001 1,000,000,,, 1,000,001 2,000,000 2,000,001 3,000,000 3,000,001 5,000,000 Notes: 1. only request cotinine on disclosed non-smoking applicants 2. MER may be performed by the GP or an independent examiner. Some GP surgeries do not have facilities for ECGs. 3. Independent MERs can be arranged with Legal & General approved independent examiners, if own GP unwilling/unable to perform exam. If you use any other doctors check their willingness to conduct the examination for the standard BMA fee before issue of papers.
8 UNDERWRITING LIMITS 8 MEDICAL EVIDENCE LIMITS CRITICAL ILLNESS COVER. KEY EVIDENCE REQUIREMENTS: NSE MER HIV Lipids LFT ECG(E) MSU RFT FBC HbA1c Subject Access Request for full medical records Nurse Screening Examination (previously Paramedical Examination Report) Medical Examination Report Human Immunodeficiency Virus Test Fasting Lipids Liver Function Tests Exercise ECG (Treadmill) Microscopic Urinalysis Renal Function Tests Full Blood Count Non-fasting profile (including Lipids / LFT / RFT / FBC) A test for blood sugar level ** HbA1c may also be requested
9 UNDERWRITING LIMITS 9 MEDICAL EVIDENCE LIMITS INCOME PROTECTION BENEFIT. The table below lists the medical we require according to your clients level of benefit and their age next birthday. Monthly Benefit Level ( ) Up to 40 AGE NB AGE NB OVER 50 AGE NB Up to and including ,500 Tele Medical Interview (TMI)* 1,501 2,000 Tele Medical Interview (TMI)* Tele Medical Interview (TMI)* 2,001 2,500 Tele Medical Interview (TMI)* Tele Medical Interview (TMI)* Full NSE**,, 2,501 3,000 Tele Medical Interview (TMI)* Full, Full NSE**,, 3,001 4,000 Full, Full, Full NSE**,, Over 4,000 Full,, HIV (blood) Full,, HIV (blood) Full NSE**,,, HIV (blood)
10 UNDERWRITING LIMITS 10 MEDICAL EVIDENCE LIMITS INCOME PROTECTION BENEFIT. KEY EVIDENCE REQUIREMENTS: NSE Nurse Screening Examination TMI Tele-medical interview. If a client has stated No to TMI during the application process then a full NSE would be required. MSU COT HIV HbA1c Microscopic Urinalysis Cotinine Human Immunodeficiency Virus Non-fasting profile (including Lipids / LFT / RFT / FBC) A test for blood sugar level ** HbA1c may also be requested
11 UNDERWRITING LIMITS 11 FINANCIAL LIMITS. LIFE ASSURANCE: CRITICAL ILLNESS COVER: SUM ASSURED EVIDENCE REQUIREMENTS SUM ASSURED EVIDENCE REQUIREMENTS Up to 1,500,000 No Automatic Evidence Up to 750,000 No Automatic Evidence 1,500,001-2,500,000 Simplified Financial Information existing covers, earnings, 750,001-1,000,000 net worth, financial investigations and for business loan or key person protection last year s profit. Simplified Financial Information existing covers, earnings, net worth, financial investigations and for business loan or key person protection last year s profit. 2,500,001 3,500,000 Personal Assurance Questionnaire (PAQ) or Business 1,000,001-2,000,000 Assurance Questionnaire (BAQ) signed by your client Over 3,500,000 Our minimum requirements below are needed for all 2,000,001-3,000,000 applications: PAQ or BAQ signed by your client In addition, depending on the reason for the application we will require the following: Family Protection of earnings (ie P60 etc) or alternatively PAQ countersigned by independent third party Private Residential Loan Protection copy of the loan offer letter Inheritance Tax Protection PAQ countersigned by independent third party with an independent statement of their net worth All Business Protection applications require the last two years reports and accounts, plus the following: Business Loan Protection copy of the loan offer letter Over 3,000,000 Personal Assurance Questionnaire (PAQ) or Business Assurance Questionnaire (BAQ) signed by your client PAQ or BAQ signed by your client, plus: In addition, depending on the reason for the application we will require the following: Family Protection of earnings (ie P60 etc) or alternatively PAQ countersigned by independent third party Private Residential Loan Protection copy of the loan offer letter All Business Protection applications require the last two years reports and accounts, plus for any loan-related applications a copy of the loan offer letter Note: If TPD own occupation applies then the maximum sum assured available is 2,000,000 Not available Share or Partnership Protection BAQ countersigned by independent third party Please note that additional supporting may be requested as part of the underwriting assessment An independent third party (ITP) includes your client s accountant, solicitor or bank manager (i.e. independent of the sales process)
12 UNDERWRITING LIMITS 12 FINANCIAL LIMITS. ADDITIONAL INFORMATION REGARDING FINANCIAL EVIDENCE: Relevant Life Plans do not require a financial questionnaire as the relevant questions are within the application form Independent Third Party Countersignatures e.g. accountant, solicitor or bank manager, i.e. independent of the sales process PAQ/BAQ we will also consider a fact find For employed/employees, of earnings includes P60, statement from an employer or accountant. For self-employed, a copy of latest accounts or notice of assessment from the Inland Revenue Copy of Loan Offer Letter can be replaced with latest statement of loan interest for in force loans Statement of net worth should include breakdown of assets, liabilities, net worth, Inheritance Tax liability and details of all reliefs used in the calculations
13 UNDERWRITING LIMITS 13 Legal & General Assurance Society Limited Registered in England and Wales No Registered office: One Coleman Street, London EC2R 5AA We are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Q /15 NON GASD
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