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L&G expands tele-underwriting offering

Legal & General has unveiled its plans to use out-of-hours healthcare specialist Primecare to follow up on certain medical disclosures made during the application process.

The life office is expanding its existing ‘little T’ tele-underwriting system to allow Primecare’s nurses and GPs to speak confidentially to applicants over the phone about their medical history.

While L&G already speaks to customers about disclosures made on their application form, Primecare will give the firm the capacity to cover four more medical conditions through its telephone service.

L&G underwriting and claims director Russ Whitworth says: “We see the benefit of using telephone based interviewing to cover medical history because people feel comfortable talking with a medical professional over the phone. It allows us to get a clear picture of someone’s medical background, which reduces the need for us to request GP reports.

“This means that applications are processed more quickly and the likelihood of non-disclosure is reduced.”

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