Friends Life Protection Account
Underwriting guide
Underwriting information for professional financial advisers
This guide should not be distributed to or relied upon by retail customers
Contents
Underwriting Guide
Contents
• What this guide is for
3
• Our underwriting options
4
• Tele-underwriting benefits
5
• How Tele-underwriting works
6
• What to check on application forms
7
• Questionnaires
10
• Medical tests
11
• Appendix:
– A-Z of common medical conditions
12
– Minimum and maximum ages
15
– Body Mass Index (BMI) and waist measurement
16
• Confidentiality – How we administer your client’s
Underwriting Guide
What this guide is for
What this guide is for
This guide gives you important information about how we
underwrite the Friends Life Protection Account’s Life, Critical
Illness and Income Protection covers. It also explains how our
underwriting procedures can help get your business processed as
smoothly and quickly as possible.
It covers:
• our Tele-underwriting Service; • what to check on application forms;
• overviews of hazardous pursuits, occupation • common medical conditions; and
and health conditions; • medical and financial limits.
Our underwriting options
Underwriting Guide
Our underwriting options
How they work
Complete our short
tele-app form and send to us Use our online routes to complete your client’s application. Our short life cover only application form is
available via Dynamic
Complete the full application form. Send to us with all evidence required, such as the underwriting
questionnaire
Friends Life Protection Account
Paper application forms Online application system
if accepted, case can go on risk To our underwriters. We may need further information If accepted, case can go on risk
We call the customer to
complete Tele-underwriting interview If accepted, case can go on risk To our underwriters. We may need further information If accepted, case can go on risk Dynamic
route Classicroute
Complete
tailored app Completefull app
If accepted, case can go on risk To our underwriters. We may need further information If accepted, case can go on risk
Underwriting Guide
Tele-underwriting benefits
Tele-underwriting benefits
How it works
Tele-underwriting is simply underwriting by telephone. It can be fast and effective. We contact your clients and collect their medical details, so you don’t have to ask any sensitive questions. They are contacted by our trained Tele-underwriters, who collect the underwriting information we need. If your client is accepted immediately, we can get them on risk as soon as possible.
How it could benefit you
It is designed to get your business with us processed quickly and efficiently. Here’s how: • We deal directly with your clients to reduce your workload.
• We ask your client the relevant health questions. • We capture the essential information in one phone call. • Gives you more time to spend with other clients.
If we can’t cover your client right away
Each case is different. In some cases you will find that we can’t accept your client for cover at the end of the phone call. We will let you know where we go from there. For example, we may need to write to your client’s doctor for more information about his or her medical history. If we cannot accept your client at standard rates, we will contact your clients and tell them why. We will then give them details of cover available and a revised quotation. Alternatively, we will give them reasons why cover cannot be provided.
How Tele-underwriting works
Underwriting Guide
How Tele-underwriting works
Step
1 2 3 4 5What Happens
Your client completes a short application form called a Tele-App with you.
This can be completed on our adviser extranet, or on a paper copy. It covers where your client lives, the preferred start date for cover and your client’s bank or building society account details. If it’s done online, make sure you print a copy for your client to sign.
Send the Tele-App by post to us, unless you have already submitted it online. We send a Tele-underwriting Guide to your client, explaining how it works and what to expect.
When we receive the Tele-App, we phone your client to arrange a convenient time for a full telephone appointment. This is because we appreciate that your clients may need time to gather information like medical details and the names of prescription drugs.
Our Tele-underwriter asks your client a series of questions that relate
only to the Life, Critical Illness and Income Protection Covers applied for. These questions focus on your client’s current and past health, family medical history and lifestyle.
For joint cover applications we need to speak to all people concerned. We do this in one telephone appointment or if it’s easier, we can call each person at a separate time. Each call should take approximately 20 minutes.
We let you know how your client’s case has progressed when the
Tele-underwriting is over. We also need to know about any changes to your client’s circumstances since the Tele-underwriting interview took place and before the cover starts.
If your client is accepted, he or she receives a Cover details document along
with the Friends Life Protection Account Schedule, Cover schedule and
Account details. These documents form part of the legal contract between your client and us. We will also send them confirmation of their application details to check that we have collected the correct information. If any details are missing or incorrect, your client will have 30 days to contact us to make amendments.
Full details of the process can be found in the Tele-underwriting Guide.
Short application form Tele-App to us Client contact Tele-underwriting Final steps
Underwriting Guide
What to check on application forms
What to check on application forms
Help your clients to get on risk quicker
What you should look out for
Your client's:• Height, weight and waist measurement.
• Alcohol consumption.
• Smoker status.
A non-smoker is someone who has not used tobacco, tobacco-related products or tobacco replacement products such as nicotine patches for 12 months.
Our questionnaires cover some of the more common pursuits. If enough detail is given on the application form, a separate questionnaire may not be needed. Some critical illness conditions may need to be excluded if they are associated with a high accident risk. For example, loss of limbs, coma, loss of sight or hearing.
UK resident
This means that your client is physically present in the UK for 6 months or more in any tax year. We can offer the account to your client if they are living in England, Scotland, Wales or Northern Ireland.
Your client’s time spent overseas
You should check the applicant’s travel plans, destinations, and the time spent outside the UK. Travel to countries that represent a health or safety risk may warrant special terms. It can even affect our ability to offer any terms at all. We need details of any past or intended travel outside of Western Europe, North America, Australia and New Zealand, excluding holidays of less than three months. Your client might have a vague job title. For example, ‘driver’ could mean an oil tanker driver or a taxi driver. We will need details of the industry and the client’s duties to assess any special risk.
In some cases, the client has a history of ill health or a family history of illness.
In this case, medical evidence may be necessary. We need information about:
• Details of consultants/specialists visited.
• Dates and details of treatment received.
• Results of tests and investigations.
• Any follow up or current medication.
Information
we need
Lifestyle Hazardous pursuits UK residence and travel Occupation Poor healthA quick guide to help you spot potential issues with your client’s
application
Our application form’s questions are specifically worded to extract the essential information from your client. If these questions are not answered fully and accurately, there could be delays while we refer back to your client or get medical evidence from another party. Below is a quick guide to the information that we are looking for.
Weight, smoking and risk
Being overweight is known to affect the cardiovascular and respiratory systems. It is particularly
associated with coronary artery disease, raised blood pressure, stroke, diabetes, respiratory diseases and osteoarthritis. We might ask for medical evidence. It all depends how underweight or overweight your client is. The evidence could also point out other medical problems.
Smoking is known to be a contributory factor in coronary artery disease, lung cancer and chronic
obstructive pulmonary disease. That’s why smokers pay higher premiums. Again, we may ask for medical evidence if the person is a heavy smoker.
Lifestyle
Hazardous pursuits
Sport, hobbies and risk
Most pursuits are acceptable at ordinary rates for Life Cover. A small number will be rated or need an exclusion for Critical Illness, Income Protection, Mortgage Income Protection or Total and Permanent Disability Cover. It will depend on a number of factors such as amount of time spent on the activity, training and experience, location and membership of a recognised club or body. One-off events such as activities carried out on holiday or for charity can be ignored.
To make sure we have enough information to make a decision we need your client to answer some additional questions about their specific pursuit. These questions are an integral part of the application on our adviser extranet. If you use the paper application method, you will need to download these questionnaires from the literature library on our adviser extranet. Here are some of the hazardous pursuits to look out for:
• Motor sport - car, motorcycle and powerboat racing. • Aviation - private flying, hang gliding and parachuting. • Mountaineering.
• Caving and pot-holing. • Scuba diving.
Health and safety risks
Although most of the developed world is considered relatively safe, many countries in Africa, Asia and the Middle East are not. This is not just because of war and terrorism, but also health risks (including HIV) and limited medical facilities. We need details of any past or intended travel outside of Western Europe, North America, Australia and New Zealand, excluding holiday of less than three months.
UK residency and travel
Occupation
Health and safety risks
There are some industries or activities that require special consideration due to accident or health risks. For Life Cover most occupations are acceptable at ordinary rates. For other account covers such as Critical Illness, Income Protection, Mortgage Income Protection, Total and Permanent Disability and Payment Protection Cover, the terms we can offer depend on many different factors. For example, it’s not only the type of job or industry that is important. It’s also about other aspects, such as the amount and type of manual work and the amount of business travel and driving.
Some activities to look out for include: • Working with explosives
• Aviation • Diving
• Oil and gas industry work • Tunnelling
• Racing • Fishing • Armed forces.
Underwriting Guide
What to check on application forms
Medical conditions and risk
Your client’s medical history
Your client’s medical history is a prime consideration in underwriting. The severity of any health conditions will determine what the underwriting approach will be. We only need relevant medical history. We do not need to be told about common colds, or routine childhood ailments with no complications. If you’re not sure whether something is relevant or not, then it should be disclosed. The key questions we need answers to are: • What was the medical condition?
• When was it?
• How long did it last for? • What was the treatment? • Is the treatment continuing?
• How much time did your client take off work?
Common medical conditions
Our A-Z of common medical conditions section shows common medical conditions together with likely medical evidence requirements and terms.
A useful short cut
Medic8 (www.medic8.com*) is a leading UK medical portal for healthcare professionals and consumers. All of the content is reviewed by a qualified UK doctor before being listed. If your client has a complex or significant medical history you may wish to take a look at this website for background information. Then you can contact our Underwriting Helpline with as much detail as possible on 0845 300 3175.
* Friends Life accepts no responsibility for information provided by third parties as any links to third party sites are provided solely as a convenience to you and at your own risk.
Why and how we use questionnaires
We use questionnaires to avoid the need for a GPR (General Practitioner’s Report). We have a wide range of questionnaires covering common medical conditions, occupational and recreational activities. They are an integral part of our adviser extranet underwriting process meaning your client's will only be asked questions relevant to their personal circumstances.
If your client has a complex or significant medical history or unusual and risky occupation/pastime that you are unsure of, you can contact us on 0845 300 3175 for confirmation.
Questionnaires
Help us to get your client covered
Medical questionnaires
• Arthritis;• Asthma, Bronchitis and Other Respiratory;
• Back and Joint Trouble;
• Colitis and Crohn’s Disease; • Diabetes;
• Drugs;
• Ear Disorders;
• Eye Disorders;
• Faints, Blackouts and Epilepsy; • Genitourinary Disorders;
• Growths, Cysts and Lumps; • Gynaecological;
• High Blood Pressure;
• Polycystic Ovaries and Polycystic Ovarian Syndrome;
• Raised Cholesterol; • Stomach and Bowel;
• Tension, Stress, Nerves, Anxiety and
Depression.
Non-medical questionnaires
• Armed Forces; • Aviation; • Mountaineering; • Diving; • Gliding; • Hang-gliding; • Microlighting; • Motor Racing; • Parachuting; • Yachting.Medical reports and health tests are obtained to establish an
accurate picture of your client’s health. Below is a summary of
evidence we might request.
Medical tests
What we might need from your client
Medical
evidence
Briefly, what is it?
Biochemistry A blood test to measure blood cells and tissues.
Cotinine test A test to determine whether a person has recently used tobacco products.
The test is sensitive enough to be able to distinguish between passive and active smoking.
Your client should be told that there is now a reliable means of checking recent tobacco usage.
ECG
(Electrocardiograph)
A graphic recording of the heart. It enables doctors to understand far more about the condition of the heart muscle, its rate and rhythm. It is a valuable tool in detecting past and present problems due to heart disease or disorders.
An ECG is normally performed whilst resting but can be performed during exercise to assess how the heart reacts under an increasing workload.
GPR (General Practitioner’s Report)
A report from a client’s own doctor detailing medical history, previously known as a Private Medical Attendant’s Report. It is subject to the Access to Medical Reports legislation.
Haematology test A blood test that identifies abnormally high or low levels of given substances such
as cells and proteins in the blood. HIV (Human
Immunodeficiency Virus) test
A blood or saliva test for the HIV virus. The nurse or doctor sends the samples directly to the laboratory and the results are then sent to us.
LDR
(Letter to Doctor)
A letter to a client’s own doctor requesting specific information which may be used rather than requesting a full GPR. It is subject to the Access to Medical Reports legislation.
Lipid profile test A blood test to measure cholesterol levels.
LFT
(Liver function test)
A blood test that measures enzymes and proteins produced by the liver. Abnormal levels, as well as indicating liver disease, can also be symptomatic of other serious organ disease such as kidney or heart disease.
MER (Medical Examination Report)
A clinical examination carried out by an independent doctor or the client’s GP. The examination is used for larger amounts of cover or when an individual has a medical condition about which we need more information or a current ‘snapshot’ of their condition.
The examination consists of:
• Detailed questioning by the doctor of the client's medical and family history,
drinking and smoking habits.
• A full examination of the major body systems including heart, chest, blood
pressure and urinalysis. MSU (Microscopic
Urinalysis)
A test which checks for abnormalities of the urine, such as blood cells which could indicate kidney disease or infection.
PSA (Prostate Specific Antigen) test
This is a prostate screening test. This is usually only required in connection with high amounts of cover in males over age 50 years.
Screening A basic examination carried out by a nurse, usually in your client’s home or workplace. Height, weight, blood pressure and urine are checked.
We use an independent service provider to arrange our screenings which are conducted by registered nurses. They will contact your client directly to arrange a time and place convenient for the screening to be done.
How we assess common conditions
The table below gives a guide to some of the common conditions that we see. There are of course many more conditions that we are unable to cover here, so if your client has a complex or significant medical history or unusual and risky occupation/pastime that you are unsure of, you can call us on 0845 300 3175
for confirmation.
Whilst we will often be able to underwrite on the information given by the applicant we may need additional information, examples of which are shown in the table below.
A-Z of common medical conditions
How we are likely to assess your client
Medical
Condition
Anxiety & Depression AsthmaWhat is it?
Covers a range of disorders from mildemotional reactions to severe mood and personality disturbances. Narrowing of airways, which causes wheezing and shortness of breath. Mild forms of asthma are treated with inhalers. More severe forms may require treatment with oral steroids or use of a nebuliser. Smoking is an adverse feature.
Medical
evidence we
may ask for
3
Questionnaire 3 LDR or GPR3
Questionnaire3
LDR or GPRLife Cover
terms
Mild: Usually Standard Moderate or Severe: Rated Mild: Usually Standard Moderate or Severe: RatedCritical Illness
Cover terms
Mild: Standard Moderate: Usually Standard Severe: Rated Mild: Standard Moderate: Usually Standard Severe: RatedIncome
Protection
& Mortgage
Income
Protection
Cover terms
Rated/Exclude Mild: Standard to Rated Moderate: Rated Severe: Usually DeclineMedical
Condition
Back problems Bowel disorders Cancer Diabetes MellitusWhat is it?
Back pain is common andone of the main reasons for sickness absence. This is prevalent in many occupations particularly those involving manual work and lifting.
The most common
form is Irritable Bowel Syndrome, which is usually accepted at standard terms. Ulcerative Colitis or Crohn’s Disease is always likely to attract a rating. It is difficult to
predict the course
of recently treated cancers. It is likely that terms will be postponed for the first few years following treatment. A decision will depend on the exact histology of the illness. Diabetes Mellitus is a collective name for a group of metabolic disorders. Type 1 is due to failure of the
pancreas to produce
sufficient insulin and requires treatment with insulin. Type
2 is due to glucose intolerance and can normally be
controlled with diet and/or oral drugs. Smoking and
circulatory disorders
are significantly adverse features.
Medical
evidence we
may ask for
3
Questionnaire3
LDR or GPR3
Questionnaire3
LDR or GPR3
LDR or GPR3
LDR or GPRLife Cover
terms
Standard Mild: Standard to Rated Moderate: Rated Severe: Rated Rated (following initial postponement period) Rated NB. the presence of any diabetic complications or adverse features may result in decline.Critical Illness
Cover terms
Standard (may need to exclude for TPD) Mild: Standard to Rated Moderate: Rated Severe: Individual consideration Usually unable to offer cover. DeclineIncome
Protection
& Mortgage
Income
Protection
Cover terms
Usually Exclude Mild: Standard to Rated Moderate: Rated/ Exclude Severe: Individual consideration Individual consideration / Rated (following initial postponement period) NB. Short deferred periods (4 or 8 weeks) would be unavailable. Individual consideration butmost cases will be declined.
Terms may occasionally be
available for long deferred periods
Medical
Condition
Epilepsy Heart attack High blood pressure Hepatitis Kidney stonesWhat is it?
Caused by a disorder of brain function. Minor seizures result in brief loss of consciousnessonly. Major attacks cause convulsions. Also known as Myocardial Infarction. Terms not available for the first six months after
return to normal
activities. Smoking is a significantly adverse feature.
The blood being
forced through the arteries at an increased pressure. Often symptomless and without apparent
cause but can be secondary to renal and circulatory disease. Smoking is a significantly adverse feature. Inflammation of the liver caused by viruses or toxic substances. Also known as renal calculus, it is the formation of stones in the kidneys. Can
be recurrent and result in damage to
the kidneys.
Medical
evidence we
may ask for
3
Questionnaire3
LDR or GPR3
GPR3
Questionnaire3
LDR or GPR3
SCR3
GPR3
LFT3
LDR or GPR3
QuestionnaireLife Cover
terms
Mild: Standard Moderate: Standard to Rated Severe: Rated Rated (following initial postponement period) Standard to Rated (Ratings will depend upon level of control and any underlying cause.) Standard to Decline (depending on type) Single episode with no underlying disorder: Standard Moderate/severe: RatedCritical Illness
Cover Terms
Standard to Rated Decline if fits or convulsions are regular and frequentDecline
Standard to Decline
(Ratings will depend upon level of control and any underlying cause) Standard to Decline (depending on type) Standard to Rated
Income
Protection
& Mortgage
Income
Protection
Cover terms
Standard to Rated Individual consideration (usually decline but will depend on length of time since incidence)Standard to Decline
(Ratings will depend upon level of control and any underlying cause) Standard to Decline (depending on type) Single episode with no underlying disorder: Standard Moderate/severe: Rated
Medical
Condition
What is it?
Medical
evidence we
may ask for
Life Cover
terms
Critical Illness
Cover Terms
Income
Protection
& Mortgage
Income
Protection
Cover terms
Multiple Sclerosis This is adegenerative disease which can result in weakness
and numbness in
limbs and loss of co-ordination.
3
LDR or GPR Rated to Decline Decline DeclinePeptic ulcer Caused by excess acid. Antacids and/or diet
usually control the condition.
3
Questionnaire Usually Standardunless severe
Usually Standard Mild: Standard to
Rated Moderate: Rated Severe: Individual consideration Rheumatoid Arthritis Chronic inflammatory disease of the joints. A variety of other complications including eye and lung disorders can
also occur.
3
Questionnaire3
LDR or GPR Mild: Usually Standard otherwise Rated Exclusion DeclineSkin disorders Most skin disorders such as Eczema or Dermatitis will not
cause the premium
to be loaded.
3
Questionnaire UsuallyStandard unless complications
Usually Standard but may result in an
exclusion for TPD
Mild: Usually Standard otherwise
may result in an
exclusion
Stroke Also known as
Cerebrovascular Accident (CVA).
3
GPR Rated (after initialpostponement
period)
Decline Usually Decline
Life Cover
Life Cover 5 Year Renewable Life or Earlier Critical Illness Cover
Critical Illness Cover Income Protection Cover Mortgage Income
Protection Cover
Payment Protection Cover
18 18 18 18 18 18 18 83 64 64 64 59 59 59
Minimum/maximum ages
Cover
Minimum age at entry
Maximum age at entry
Minimum and maximum ages
Body Mass Index (BMI) and waist measurement
How we are likely to assess your client
These tables are a guide to how we are likely to assess your client using their Body Mass Index (BMI) and their waist measurement.
Asking about your client’s waist measurement as well as their BMI means we can build a more accurate picture of each individual and can continue to cover as many people as possible - whatever their shape and size. We use your client’s waist to height ratio (WtHR) in conjunction with their BMI to give the underwriter an appreciation of whether your client is an increased risk. The WtHR is not used in isolation.
BMI is calculated using the following formula:
BMI = weight (in kg) divided by height (in metres) squared. i.e. kg/m2
WtHR is calculated using the following formula:
WtHR = waist (in cm or inches) / height (in cm or inches) x 100
Use the table below to find your client’s weight and height in metric measurements. Use these metric measurements with the first table on page 17 to determine your client’s BMI. For example, someone who is 85kg in weight and 1.75m tall has a Body Mass Index of 28.
Height and weight conversion tables
(imperial to metric)
21 20 19 18 17 16 15 14 13 12 11 10 9 8 7 134 127 121 115 108 102 95 89 83 76 70 64 57 51 45 0 134 128 121 115 109 102 96 90 83 77 70 64 58 51 45 1 135 128 122 115 109 103 96 90 84 77 71 65 58 52 45 2 135 129 122 116 110 103 97 90 84 78 71 65 59 52 46 3 135 129 123 116 110 104 97 91 85 78 72 65 59 53 46 4 136 130 123 117 110 104 98 91 85 79 72 66 60 53 47 5 136 130 124 117 111 105 98 92 85 79 73 66 60 54 47 6 137 130 124 118 111 105 99 92 86 80 73 67 60 54 48 7 137 131 125 118 112 105 99 93 86 80 74 67 61 55 48 8 138 131 125 119 112 106 100 93 87 80 74 68 61 55 49 9 138 132 125 119 113 106 100 94 87 81 75 68 62 55 49 10 139 132 126 120 113 107 100 94 88 81 75 69 62 56 50 11 139 133 126 120 114 107 101 95 88 82 75 69 63 56 50 12 140 133 127 120 114 108 101 95 89 82 76 70 63 57 50 13
lbs
Height
Weight
Stone
Kg
Ft
Ins
5 5 5 5 5 5 5 5 5 5 5 5 6 6 6 6 6 0 1 2 3 4 5 6 7 8 9 10 11 0 1 2 3 4 1.52 1.55 1.57 1.60 1.63 1.65 1.68 1.70 1.73 1.75 1.78 1.80 1.83 1.85 1.88 1.91 1.93M
M
M
15 15 16 16 16 17 17 18 18 19 19 20 21 21 22 23 24 55 16 16 17 18 18 19 19 20 20 21 21 22 23 23 24 25 26 60 17 18 18 19 19 20 21 21 22 22 23 24 24 25 26 27 28 65 19 19 20 20 21 22 22 23 23 24 25 26 26 27 28 29 30 70 20 21 21 22 22 23 24 24 25 26 27 28 28 29 30 31 32 75 21 22 23 23 24 25 25 26 27 28 28 29 30 31 32 33 35 80 23 23 24 25 25 26 27 28 28 29 30 31 32 33 34 35 37 85 24 25 25 26 27 28 28 29 30 31 32 33 34 35 37 37 39 90 26 26 27 28 28 29 30 31 32 33 34 35 36 37 39 40 41 95 27 27 28 29 30 31 32 33 33 35 35 37 38 39 41 42 43 100 28 29 30 31 31 32 33 34 35 36 37 39 40 41 43 44 45 105 30 30 31 32 33 34 35 36 37 38 39 40 41 43 45 46 48 110 31 32 33 34 34 35 36 38 38 40 41 42 43 45 47 48 50 115 32 33 34 35 36 37 38 39 40 42 43 44 45 47 49 50 52 120 34 34 35 37 37 39 39 41 42 43 44 46 47 49 51 52 54 125 35 36 37 38 39 40 41 42 43 45 46 48 49 51 53 54 56 130 36 37 38 39 40 42 43 44 45 47 48 50 51 53 55 56 58 135 38 38 40 41 42 43 44 46 47 48 50 51 53 55 57 58 61 140Kg
1.93 1.91 1.88 1.85 1.83 1.80 1.78 1.75 1.73 1.70 1.68 1.65 1.63 1.60 1.57 1.55 1.52 12 12 13 13 13 14 14 15 15 16 16 17 17 18 18 19 19 45 13 14 14 15 15 15 16 16 17 17 18 18 19 20 20 21 22 50Body Mass Index grid
Body Mass Index
BMI Risk of illness Underwriting Life Underwriting CI
Under weight <18 Low - but prone
to infections Light rating Light rating
Normal range 18-25 Average Ordinary rates Ordinary rates
Overweight 25-29 Mild increased risk Ordinary rates Ordinary rates
Obese 30-34 Increased risk Ordinary rates Usually ordinary
rates
Severely obese 35-40 Moderate risk Light to moderate
loading
Light to moderate loading
Morbidly obese 41-49 Severe risk Moderate to heavy
loading Decline
Super obese 50+ Very severe Decline Decline
BMI = height in meters2 divided by their weight in kilograms.
Light loading = 50-75% Moderate = 100-150% Heavy = 175 -300%
This table shows how we may assess your client based on their Body Mass Index.
Waist to height ratio
WtHR Risks Life CI
<35%
Increased risk of Diabetes and heart disease Nil Nil36-54%
Normal range Nil Nil55-60%
Increased risk of Diabetes and heart disease Nil Very lightloading61-69%
Moderately increased risk Very lightloading Light loading
>70%
Substantially increased risk Light loading Moderate loadingUse the first table below to find a female client’s waist measurement based on her dress size. Use your client’s waist measurement and height to calculate their waist to height ratio following the formula on page 16.
The second table below demonstrates how we may assess your client based on their waist to height ratio.
Dress size
(UK) (inches)Waist Waist (cms)
6 25 64 8 26 66 10 27 69 12 28 71 14 30 76 16 32 81 18 35 89 20 37 94 22 39 99 24 43 109 26 46 117 28 48 122 30 50 127
Make sure your clients understand important information
Please make your clients aware that all personal information that we receive from them or third parties such as doctors, will be kept in strict confidence. You should make sure that they understand the Access to Medical Reports Legislation Consent and Declaration on the Application form.
If your client requires more privacy about medical issues
Most of your clients should be happy to complete the Application form in your presence. Alternatively they could use our Tele-underwriting service. But they do have the right to complete medical information in private on a separate form with their full name, unique reference number and date of birth.
They should then send this, in a sealed envelope, marked ‘Addressee only’ to: Chief Medical Officer
Friends Life Protection Account Friends Life Company Ltd PO Box 1810
Bristol
United Kingdom BS99 5SN
The remainder of the application form should be completed and dealt with in the normal way and returned to us together with a note confirming that medical information has been sent separately.
We are not permitted to discuss with advisers the medical evidence received from third parties or that supplied by clients in confidence.
Confidentiality
How we look after your client’s personal information
5 /1 1 ( 3 2 2 7 3 )
