Legal & General streamlines medical underwriting

For applicants aged under 40 a GP report is not automatically requested unless the sum assured for life insurance is over £1 million. Similarly, for critical illness GP reports are not routinely required for this age group unless the sum assured is over £600,000. Legal & General has particularly targeted high net worth applications for improvement, with the removal of resting ECGs (electrocardiograms) for high sums assured. This reflects a greater focus on large case business. Russ Whitworth, underwriting and claims director for protection at L&G said: “We felt that there was scope t...