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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.”

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Comments

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?

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