FRIENDS LIFE PROTECTION ACCOUNT
TELE-UNDERWRITING | Client
How your Tele-underwriting
interview works
Preparing for your Tele-underwriting interview:
When we call you
One of our trained tele-underwriters will call you during your
arranged two hour time slot. Please be aware that during your
telephone interview you will be asked some sensitive and personal
questions. We recommend that you are in a place where you are
happy disclosing this sort of information.
the call should take between 15 and 30 minutes per person to
complete depending on the type of cover being applied for.
What will be asked?
Our tele-underwriter will ask you questions about your current
and past health, family medical history and your lifestyle. these
will only relate to the covers that you have applied for in your
account. if you feel uncomfortable disclosing any information over
the telephone then we can arrange for it to be collected by other
means. it is important that you tell us anything that you feel is
relevant to the application to avoid a claim not being paid or the
cover being cancelled.
You do not need to tell us about any confirmed diagnosis of: Acne,
Appendicitis (where surgery performed and full recovery made),
Athletes foot, Allergic rhinitis, Bunion, Cold Sore, Conjunctivitis,
Contraception, ear Syringing, Food Poisoning (if fully recovered),
Haemorrhoids, Hay fever, HRt (where no hospital investigation was
involved), Infertility treatment, Influenza/colds, Ingrowing toenail,
Miscarriage/Termination, Routine cervical smear, (normal result),
Shingles, tonsillitis, Uncomplicated pregnancy, Vaccinations,
Verruca and Wisdom teeth removal/Dental work.
All information provided will be treated as confidential. All calls are
recorded and held for quality control, fraud prevention and security
purposes only.
Checklist
Before we call you at the arranged time
please make sure you have the following
details available:
■
Any diagnosed medical conditions
■
Details of any medication you’re
currently taking
■
Your height without shoes, waist
measurement and weight
■
the health of your immediate family;
e.g. parents, brothers or sisters, half
brothers or sisters to the best of your
knowledge before the age of 60
■
Any other life, Critical illness or
income Protection Cover you already
have or are proposing to have with us
or any other company
■
Your Doctor’s name, address and
telephone number
FRIENDS LIFE PROTECTION ACCOUNT
TELE-UNDERWRITING | Client
What happens next?
Contact information
if your application is accepted at the end of the telephone call:
to change the date or time of your
telephone interview, please call
our tele-underwriting team on:
■
You will be covered from the chosen start date. An Account pack will
then be sent to you detailing your cover.
if your application is referred to our underwriters in order to make a
decision – you will then be advised of next steps to help us complete
your application.
if you then receive standard terms:
■You
will be covered from the chosen start date for your cover which
could mean you are covered straight away. An Account pack will then
be sent to you detailing your cover.
if you receive non-standard terms (or you want to delay the start of your
cover):
0845 603 3421
lines are open 9.00am to 7.45pm Monday to Friday
and 9.00am to 3.45pm on Saturday. Calls to this
number will be charged at your normal rate.
if you have any other questions
that are not covered in this guide,
please call our Customer Services
team on:
0845 300 0479
lines are open 8.30am to 6.00pm Monday to Friday.
Calls to this number will be charged at your normal rate.
■We
will send you updated cover terms. Once you have agreed these
terms (either by phone or in writing) you will be covered from the
chosen start date for your cover. An Account pack will then be sent
to you detailing your cover.
in accordance with the Association of British insurer’s policy on genetics
and insurance, you only need to tell us about any positive genetic test
results that you have had if this application, taken together with any other
plans you already have, exceeds:
£500,000 for life Cover
■
£300,000 for Critical illness Cover
■
£30,000 per annum for income Protection Cover
PRTUWCG 14/02/11 (31702)
■
Friends life, PO Box 1810, Bristol BS99 5Sn. telephone: 0117 989 9000.
Friends Life Services Limited distributes and administers financial products
and services and is authorised and regulated by the Financial Services Authority,
register No. 185746 (www.fsa.gov.uk/register/home.do). A company limited by shares,
registered in England No. 3424940, registered office: Pixham End, Dorking, Surrey, RH4 1QA.
As part of our commitment to quality service, telephone calls may be recorded.