Unum urges IFAs not to collect extra underwriting data

It expects at least 80% of applications to be decided immediately by the system, including many requiring ratings. The provider also asked well-meaning advisers to resist the temptation to take extra or unnecessary data that was not asked for during the process as this can slow the decision time. Linton Penman, head of retail marketing at Unum, told COVER the process was expected to significantly reduce the need for GP reports even for high value cases and meant applications could now be completed online including final signatures and direct debit details. "It's not that unusual fo...