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.”