Here at L&G we continue to offer market leading underwriting capability despite the unprecedented times we find ourselves in. Our Underwriting team remains committed to the standards set before the Covid-19 crisis unfolded, and we are determined to support as many customers as possible by giving them the peace of mind that protection can bring.

L&G offers over c.83% of applicants an instant decision following application and over 90% have a decision within 24 hours. This is coupled with having some of the most generous non-medical referral limits in the market.

We continue to receive reports back from GPs within a timescale we would expect. We have confidence that the continued receipt of reports will allow us to offer cover to a variety of customers, not just those without health concerns. If your customers have any other examples of medical evidence which could support their application, we are happy to consider them where appropriate

What are we doing differently?
We recognise that Covid-19 has meant some traditional forms of medical evidence cannot currently be obtained and  we continue to work with our advisers and customers to find solutions to those who require medical screenings.

Where possible we’ll be replacing screenings with GP reports to help reduce the number of customers waiting for a decision.  Each qualifying case will be reviewed proactively by us and you’ll be notified when we have done so.

Our focus has been and continues to be to offer cover to the maximum number of people. With this in mind we are proactively supporting our customers who are awaiting screenings to understand the current restrictions with face to face screenings, and also our non-medical referral limits.