View more on these topics

Zurich scraps GP reports for under 35s

Zurich UK Life is no longer asking for general practitioner’s reports for applicants aged 35 and under wanting life cover under £1m, unless as a result of a relevant disclosure.

The move is part of a number of changes the provider is making to improve the underwriting service on its mortgage and family protection range.

For applicants aged 35 and under Zurich is raising the level of life cover at which automatic medical evidence, or nurse screen examination, is needed from £600,000 to £750,001.

For applicants up to age 40 nurse screening examinations will replace the need for GPRs, and for applicants over 60 Zurich has removed the requirement for automatic HIV testing.

Underwriting and claims director Phil Brown says: “These changes have been introduced as part of our ongoing commitment to improving our proposition and the support package we provide for advisers.”



Northern Rock launches intermediary-designed mortgage

Northern Rock will tomorrow launch a new product designed and chosen by its intermediary partners. In June, the lender ran a ‘design your own mortgage’ campaign, open exclusively to intermediaries, to design new mortgage products and vote on the concepts created by their peers. The lender has now launched the winning mortgage, as voted by […]

Active ability

Invesco’s corporate bond fund could be an investment for a difficult economy

Fidelity tax chief backs coalition reform strategy

Fidelity director of tax planning Paul Kennedy says the coalition Government is taking the most sensible approach to tax he has seen after working in the industry for nearly 30 years. He says the combination of Conservative and Liberal Democrat thinking is leading to a series of sensible, middle-ground policies. He says: “What they appear […]


Legal threat could hit Nest

Independent pension analyst Ros Altmann has warned of a future risk of litigation if the Government auto-enrols all workers into the National Savings and Employment Trust. Altmann proposes that only those earning more than £15,000 should be auto-enrolled or the Government could face legal action from those who end up worse off by saving in […]


News and expert analysis straight to your inbox

Sign up


There are 5 comments at the moment, we would love to hear your opinion too.

  1. “unless as a result of a relevant disclosure” – so what’s new? It’s my understanding this is industry standard – have Zurich only just caught up? Fortis Life for example don’t go for an automatic GPR or nurse screening up to age 39 unless over £750,001, and HIV testing is triggered by a sum assured over £2m and is of no relation to age. Bad form Money Marketing; the title ‘Zurich scraps GP reports for under 35s’ is very misleading…

  2. What percentage of business actually asks for a GPR due to breaching non medical limits and what percentage is actually asked for by an Underwriter?

  3. “unless as a result of a relevant disclosure” so what’s new – hasn’t this been standard industry practice for years?

  4. Zurich also request shorterned GPR’s when this requirement is ONLY due to non-medical limits, and have an abbreviated application form for younger clients whose policy will end before the age of 55.

    Whilst none of the above are going to turn the industry upside down it does allow clients to be protected more quickly and helps to reduce underwriting costs, which can only be a good thing

  5. All well and good headline stuff but how many post issue GPRs will be obtained in order to support these very high levels?

Leave a comment


Why register with Money Marketing ?

Providing trusted insight for professional advisers. Since 1985 Money Marketing has helped promote and analyse the financial adviser community in the UK and continues to be the trusted industry brand for independent insight and thought leadership.

News & analysis delivered directly to your inbox
Register today to receive our range of news alerts including daily and weekly briefings

Money Marketing Events
Be the first to hear about our industry leading conferences, awards, roundtables and more.

Research and insight
Take part in and see the results of Money Marketing's flagship investigations into industry trends.

Have your say
Only registered users can post comments. As the voice of the adviser community, our content generates robust debate. Sign up today and make your voice heard.

Register now

Having problems?

Contact us on +44 (0)20 7292 3712

Lines are open Monday to Friday 9:00am -5.00pm