Tele-interview Guide
Your guide to completing the
Tele-interview
Thank you for choosing Bank of Ireland Life for your protection needs. Putting financial protection in place is a very wise move and we’re
looking forward to providing you with peace of mind and security for many years to come.
Before we put you on cover we need to find out about your health and lifestyle. This will determine the terms of your cover. Occasionally a
client’s health or lifestyle may require a higher premium and in a small minority of cases we may not be able to provide cover. It is important
however that you find this out now, to avoid any confusion at claim stage.
To help you with this part of the process, your Financial Adviser has arranged a Tele-interview, which is an integral part of the application for
all of our clients.
What is a Tele-Interview?
One of our team of specialist nurses will call you to gather information about your health and medical history to help us determine the details
of your policy.
It is really important that the information you provide is correct and complete, as this will be used to determine if we can offer you a policy and
the level of premium required to provide the right cover for you. If you don’t answer the questions truthfully or in full, it could mean that your
policy may not pay out in the event of a claim. This is called non-disclosure. If you are unsure about something please let us know.
Based on our experience we found that this is a more customer friendly way to complete your application as many clients prefer to discuss
these details with a qualified person over the phone. But don’t worry, we will also send you a copy of the questions and answers afterwards
so that you can check what you have said. If you find the answers are incomplete or inaccurate you are required to notify us within 10 working
days. There is also an on-going requirement that you notify us of any changes to your details that may arise between the time of application
and before the policy has commenced.
Please allow approximately 30 minutes to complete the call.
What sort of questions?
To begin we will ask you to confirm your identity to make sure we are talking to the right person.
The Tele-interviewer will then ask questions on your occupation, medical information and hobbies that are relevant to your application.
What do I need to prepare?
It is useful if you take a little time to prepare for the Tele-interview. We aim to get through all answers on the call so it will speed up the process
if you have the following information to hand:
1. Medical information
• Your doctor(s) name and address
• Your medical history including dates and results of any tests
• Names and dosage of any medication you are taking
• Your family medical history (mother, father, brothers, sisters)
• Height and weight details
2. Occupation details
We may ask some detailed questions about your work, for example, whether you work at heights.
3. Overseas travel
We may ask about trips overseas, countries visited, how often and for how long.
4. Sports and hobbies
If you take part in dangerous pursuits, such as motor sports or scuba diving we will need to know full details, including how often and your
level of experience.
What happens after the call?
After we complete your Tele-interview we will send you a written copy of your report detailing the questions we asked and your answers.
Please check the report carefully to make sure the information you have provided is correct.
If you notice something is incorrect or that information is missing then you must write in any corrections and return the report to us within 10
working days. Please sign and date the amended report.
In some cases we may require additional information from your doctor. If that happens your Financial Adviser will let you know.
If your application is accepted
Once we have the output from your Tele-interview and any additional medical information, you could be accepted straight away. If this is the
case we will let your Financial Adviser know.
If we can’t cover you straight away
Every case is different. Sometimes medical evidence may highlight that it is necessary to revise terms of the policy. If we are unable to offer
cover at normal rates we will provide you with details of the cover available and/or a revised premium.
This is important to ensure we have you on the correct cover. If this happens we will notify you and your Financial Adviser.
Tele-Interviewing - benefits to you
1
Quick & Confidential
2
Qualified & professional nurses
3
Assists quicker decision making
4
Reduces the risk of problems at claim stage
5
Getting you the correct cover
The Tele-interview can take place in the comfort of your own home over the phone. It will last on average 30 minutes and we’ll
arrange for the nurse to contact you at a time that suits you best.
All our Tele-interviews are carried out by experienced specialist nurses, who are dedicated to providing a fast, customer friendly
service. The nurse is also there to help with any questions or queries you may have along the way.
The information collected during the Tele-interview will be used to determine the cover you will receive and how much it will cost
you. The structure of the Tele-interview means all the information may be collected at once and a decision reached quickly.
Non disclosure means that if you don’t answer any of the questions truthfully or in full, your policy may not pay out in the event
of a claim. As the questionnaire is completed by an experienced and qualified nurse the chances of insufficient or inadequate
information being captured is greatly reduced.
We’re in the business of paying out claims and helping our clients when they need it most. Our experience shows that the level
of detail and accuracy the nurses apply during and when documenting the Tele-interviews, results in fewer quibbles at the time
of claim.
Appointment detaIls
Your Financial Adviser asked us to contact you to gather details of your health
and medical history by Tele-interview for the purposes of your application. This
will help us finalise your application.
We will contact you at the time you have requested. If we don’t reach you we
will call back at another time. If for any reason we cannot make contact we will
contact your Financial Adviser.
Your Tele-interview will take
place on:
Please note your Tele-interview will be recorded for verification purposes.
Date:
Terms and conditions apply. The information set out is intended as a guide only.
Bank of Ireland Life is a trading name of New Ireland Assurance Company plc. New Ireland Assurance Company
plc trading as Bank of Ireland Life is regulated by the Central Bank of Ireland. Bank of Ireland Insurance and
Investments Limited is regulated by the Central Bank of Ireland. Bank of Ireland Insurance and Investments
Limited is a tied agent of New Ireland Assurance Company plc. Members of Bank of Ireland Group.
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