British Friendly has made three changes to its underwriting processes in order to help advisers during Covid-19.

The three changes are:

  • Withdrawal of non-medical limits;
  • Introduction of “Little T” tele-interviewing, and
  • Introduction of virtual screenings.

British Friendly will not longer request medical evidence from an applicant based on age and benefit alone during Covid-19. This applies to pipeline clients and requirements will be cancelled as appropriate.

In addition, non-medical underwriting limits are the benefit level at which am insurer requests medical evidence for different age groups.

Furthermore, British Friendly expanded its partnership with Morgan Ash to tele-interview applicants if additional evidence is required. “Little T” is the process helping clients fill out forms over the phone rather than via post.

Virtual screenings are also provided, by Square Health, to underwrite applicants remotely if a screening is required. The mutual, however, is still issuing and receiving GP reports and will continue to do so for as long as it is possible to have them completed by surgeries.

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Gordon Hull, chief executive of British Friendly, said: “We are doing all we can to help advisers get their clients the cover they need with the minimum of disruption and complexity. For that reason, we have launched these three important changes to the way we underwrite our applicants. We believe these initiatives will be of great benefit to advisers in helping them to get more clients through the underwriting process quickly and with the minimum of disruption during a very difficult time for their normal working processes.”

Tom Conner, Director at adviser Drewberry, said: “The current environment is a challenging time and any help to get clients apply and go on-risk quicker is very welcome. All three changes are very positive for advisers and our clients and the withdrawal of non-medical limits in particular is a market-leading initiative that will be a big help.”