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Latest Information from LifeQuote about Covid-19 

 

Here you will find the latest information from LifeQuote about Covid-19 and our response. 

 

 

Insurer Updates

Looking for information on premium holidays or payment deferrals? Click here

Accurate from 31.07.2020

https://www.aegon.co.uk/coronavirus.html

Application questions updated: Yes

Opening Hours: 09:00 – 16:00 Monday to Friday (email queries 08:30 – 17:30)

Current Turnaround (11.06.20): 4 working days

GP Reports: From 17.06.2020 Aegon are now requesting GP Reports for routine and disclosure based reasons.

Medical Examinations (Medical Screening Solutions): Appointments are now being requested. If a client does not want to proceed with a face to face appointment alternative forms of evidence may be considered.  

Recommending to check the non-medical limits to avoid underwriting complications and then revisit the client’s needs once the crisis is over and increase if necessary. This can be done for new applications and those already submitted.

From 09.06.20 Immediate Cover for Business Protection & Relevant Life applications have been reinstated.

Premium Holidays: On 05.05.20 Aegon advised they have made it easier to reinstate a policy that has lapsed. They will also consider restarting policies that have lapsed for more than 90 days with an updated health declaration.


https://www.aiglife.co.uk/advisers/products/individual-protection/coronavirus-individual-qa/

Application questions updated: Yes

In the last 1 month have you had a continuous cough and/or fever/temperature, been confirmed to have or suspected to have coronavirus (COVID-19) or been advised to self-isolate by a medical professional? OR in the last 3 months have you had any of the following symptoms for which you may or may not have seen a doctor or medical professional?

  • Unexplained weight loss
  • Bleeding or change in bowel habit
  • A growth or lump
  • A mole or skim blemish which has changed in appearance
  • Onset of fits or seizures

Opening Hours: 09:00-18:00 Mon-Fri

Current Turnaround (11.06.20): 1 working day

GP Reports: AIG do not request GP Reports as standard, only for medical disclosures. They are requesting GP Reports but will look at alternative evidence if a GP Report or medical is not possible.

Medical Examinations (Medical Screening Solutions and Square Health): From 11.06.20 AIG have resumed face to face medicals for some clients. If a face to face appointment is not possible AIG are considering virtual appointments or GP Reports.

A virtual medical examination is likely to involve answering medical questions with a nurse over a video call, taking height and weight, and a pinprick sample of blood which will be sent to the lab for testing. An approved self-testing kit will be supplied to customers in advance of the virtual examination which will include instructions on how it can be used and how samples can be dispatched to a lab. Blood pressure checks can only be down with customers who have their own blood pressure machine.

Where alternative evidence is not available, for those sums assureds that would normally require routine medical evidence, we could look to underwrite cover at a reduced level. The level of cover may then be increased at a later date when medical evidence can be obtained.

Due to the rapidly changing environment AIG have decided to postpone all applications for:

  • UK nationals living abroad on a short, medium or long-term basis or live outside the UK permanently
  • Foreign nationals living abroad

Premium holidays: From 29.04.20 AIG have introduced a premium reduction option for Life, Critical Illness or Income Protection policies. The premium and cover amount can be reduced for a 6 month period and will automatically return to previous levels without additional underwriting.

This option is available for customers whose policies started before 1 January 2020 and are able to answer yes to one of AIG’s financial hardship questions.

Personal Protection

Because of, or due to, the coronavirus pandemic;

  • Has your income reduced?
  • Has your spouse or partner had a reduction in income?
  • Are you claiming Jobseekers Allowance, Employment and Support Allowance or Universal Credit; or are in the process of claiming?
  • Do you live in rented accommodation and have stopped paying rent or are you claiming a mortgage payment holiday?

Business Protection

Because of, or due to, the coronavirus pandemic;

  • Has your business income reduced?

 

Once the requests have been received and approved the amount of cover and premium will change from the following premium collection date, as long as this is not within 10 days (to allow time for the DDM to be changed). AIG will confirm the details with the clients and this should be kept alongside the policy documents in case of a claim.


http://www.aviva-for-advisers.co.uk/adviser/site/public/news/detail/coronavirus-your-individual-protection-questions-answered

Application questions updated: Yes

  • Are you currently experiencing symptoms of a cough, a high temperature or fever, breathing difficulties or any other symptoms of Coronavirus (COVID-19); or
  • Have you tested positive for Coronavirus (COVID-19); or
  • Are you self-isolating due to symptoms of Coronavirus (COVID-19); or
  • Have you been advised to self-isolate for any other reason, or had direct contact with someone who’s been confirmed or suspected to have Coronavirus?

From 29.06.20:

  • Have you had contact with someone who's been confirmed or suspected to have Coronavirus?
  • If your earnings have been impacted by coronavirus and you are either currently furloughed or receiving support from the Coronavirus job retention scheme? Income Protection specific.

From 10.07.20:

  • Have you ever been treated in hospital due to Coronavirus (COVID-19)? or;
  • Within the last 30 days have you:
    • Experienced any of the following symptoms: a cough, breathing difficulties, a high temperature or fever, or a loss or change to your sense of taste or smell, or,
    • been diagnosed with Coronavirus (COVID-19) ,or,
    • Self-isolated for any other reason, or had contact with someone who’s been confirmed or suspected to have Coronavirus (COVID-19)?

Opening Hours: 08:00 – 18:00 Mon-Fri

Current Turnaround (11.06.20): 24 hours

GP Reports: From 27th April Aviva are resuming requesting medical evidence (GP Reports) for all applications in their pipeline and also for new applications. Any previously postponed applications will now be progressed automatically.

  • New applications submitted from 27th April requiring medical evidence: GP Reports will be issued following the standard process
  • Existing postponed applications where an AMRA has already been received: GP Reports will be issued to all new cases not marked ‘NTU’ (not taken up). This will happen automatically without needing to be requested
  • Existing postponed applications where no AMRA has been received: AMRAs will be issued to all cases not marked ‘NTU’ (not taken up). This will happen automatically without needing to be requested

Medical Examinations (Medicals Direct Group): From 01.06.2020 Aviva’s medical examination provider will be resuming appointments for medical examinations. Measures have been put in place to protect staff and appointments will only proceed if the risk is low and the client is happy to. If the appointment cannot proceed Aviva will assess the case to see if terms can be offered, or if a GP Report can be requested. If neither are appropriate the application will remain in pipeline until an appointment can be arranged.   

Anyone aged 70 or over will automatically be referred for manual underwriting, no automatic decisions will be made. (20.03.20)

Reduced the maximum online loading for clients with underlying medical conditions resulting in referrals to the underwriting team.

Premium holidays: Individual protection customers (Life, CIC, Income Protection, Business Protection, Over 50s and Whole of Life) who are struggling financially due to Covid-19* can now defer premiums for 3 months and spread them over the following 9 months. This can be currently applied for up to 18th August 2020. The current benefits and level of cover will remain the same.

*Available to customers who started their policy before 1st April 2020 and have already made at least payment, and who:

  • have been made unemployed after 1st March 2020 or,
  • are self-employed and unable to work or trade due to Covid-19 and have not yet received the 80% payment offered by the government or are not eligible for this, or,
  • have been furloughed by their employer and have not yet received the 80% payment offered by the government, or,
  • have a business protection or relevant life policy where their business has furloughed at least 50% of employees and has not yet started to receive any government funding.

More information here.


https://advisers.britishfriendly.com/

Application questions updated: No

Opening Hours: 09:00 – 17:00

Current Turnaround (11.06.20): 5 working days

GP Reports: Will continue to request GP Reports as long as it is possible for them to be completed by surgeries.  

Medical Examinations: From 20.04.20 virtual appointments will be offered through Square Health. They will consist of online meetings to check height, weight, blood pressure (if the client has their own machine) and self-test kits including finger prick blood samples.

New applications submitted after 14.03.2020 will include an exclusion for coronavirus.

Day 1 and 1 week deferred periods removed with effect from 5pm on 30.03.2020 for any new applications.

From 27.04.20 British Friendly are no longer requesting medical evidence purely based on age and benefit amount. They have also introduced a tele-interview service with Morgan Ash to obtain further medical information.

Premium holidays: Career break rules have been relaxed to help those who may be struggling to pay premiums, now only have to have paid 1 months premiums (rather than 1 year), clients would not be able to claim if they are using the career break option.

From 01.07.20 a benefit reduction option has been introduced. This will allow the client to reduce their benefit and then return it to the original amount without additional underwriting. At least 3 months premiums must have been paid.


https://content.guardian1821.co.uk/literature/COVID-19.pdf

https://content.guardian1821.co.uk/literature/COVID-19-FAQs.pdf

Application questions updated: Yes

In the last month have you,

  • Tested positive for Coronavirus illness (Covid-19)?
  • Been personally advised to self-isolate by a medical professional or the NHS 111 but have not been diagnosed with Coronavirus illness (Covid-19)?
  • Had, or do you currently have a new, continuous cough and/or high temperature?
  • Had direct contact with someone who's been confirmed or suspected to have Coronavirus illness (Covid-19)?

If the client answers yes to any of the new questions their application will be postponed for 3 months. They can then reapply when they can answer no to all the Covid-19 questions.

Opening Hours: 09:00 – 17:30

Current Turnaround (11.06.20): 2-3 working days

GP Reports: Still currently being requested

Medical Examinations (Medical Screening Solutions): From 11.06.20 Guardian have resumed face to face medical examinations for some clients.

Where a medical examination is not possible Guardian will continue to look for an alternative form of evidence or if this is not possible postpone the application.

From 01.04.2020 the non-medical limits have been increased by 10% for anyone aged under 60. This is for new and pipeline applications. Guardian had reduced the amount of cover they were able to offer based on their non-medical limits, from 11.06.20 this has been removed and limits have returned to normal.

Pipeline applications that did not answer the Covid-19 questions above will be requested to answer these.

Premium Holidays: From 18.05.20 Guardian will be offering a premium deferral option for clients suffering financial hardship due to Covid-19. Clients can choose to defer payments for one, two or three months. At the end of the chosen period clients have up to three months to repay the premiums. Cover will remain in place throughout the payment break.

Guardian policies also include Waiver of Premium as standard. This has a 4 week deferred period and can be claimed upon if the client is unable to work due to illness or injury, or if they have involuntarily lost their job or been made redundant but not if they have been furloughed under the government scheme. Premiums can be paid for up to 6 months.

Guardian have confirmed if the policy is on a non-indemnity basis, commission payments would stop during the premium deferral phase.


https://www.holloway.co.uk/coronavirus

Application questions updated: Yes

  • Are you currently receiving furlough payments or equivalent schemes?

Important notice: We will consider applications from applicants who are receiving furlough payments (or equivalent schemes). However, it’s important to explain to your client that furlough payments, or any other similar schemes that provide an income (other than Statutory Sick Pay or sickness related state benefits), will be deducted in full from any claim payment, until they stop.

  • Are you currently self-isolating due to the Coronavirus for any of the following reasons?
    • Self-isolating with symptoms based upon medical advice or the NHS 111; or currently have symptoms suggestive of Covid-19?
    • Awaiting a Covid-19 test result or having being diagnosed with Covid-19?
    • Self-isolating due to contact with someone who’s been confirmed or suspected to have Covid-19?

Opening Hours: 09:00 – 17:00

Current Turnaround (11.06.20): 2-3 working days

GP Reports: Information unknown

Medical Examinations: Information unknown  

New applications submitted after 5pm on 13.03.2020 with a 1 week deferred period will have an exclusion applied.

New applications submitted after 17.03.2020 will include an exclusion for coronavirus on policies with 1, 4 or 8 week deferred periods.

From 14.07.2020 4 week deferred periods will be available on all full term applications. 1 week is still suspended.

Premium Payment Holidays: Holloway have introduced a 3 month premium holiday option.

Between 15 April to 15 July, Members can request a 3 month premium holiday, as long as they’ve been paying for their cover for at least three months. During their premium holiday they won’t be able to make a claim.

Once their 3 month premium holiday has finished we’ll get in touch with the Member and let them know that we’re going to start collecting their monthly payments again.

The monthly payments and their income protection cover will re-start without the Member having to answer any health questions.

 


https://www.legalandgeneral.com/adviser/files/protection/_resources/documents/coronavirus-covid-19-update-for-intermediaries-0320.pdf

Application questions updated: Yes

In the last 30 days have you:

  • Had a new or unexplained continuous cough, fever or high temperature? Y/N
  • Tested positive for, or been diagnosed with coronavirus/COVID19? Y/N

In the last 14 days have you:

  • Been self-isolating or been advised you should? Y/N
  • Had direct contact with someone who has been diagnosed with, or suspected of having coronavirus? Y/N

If the client answers yes to the following they would need to re-apply:

  • Has been diagnosed with Covid-19 – would need to re-apply 90 days after the symptoms stop.
  • Has or is experiencing symptoms – would need to re-apply 30 days after the symptoms stop.
  • Has been in contact with someone who has been diagnosed or has symptoms of Covid-19 – would need to re-apply 14 days the last contact and they have been symptom free for 30 days.

For Income Protection applications only:

  • Are you currently on furlough and in receipt of, or applying for, income through the Coronavirus Job Retention Scheme?

Opening Hours: Mon-Fri 9:00 - 17:00, Sat closed

Current Turnaround (11.06.20): 4 working days

GP Reports: Still currently being requested

Medical Examinations (Medicals Direct Group): From 11.06.20 Legal & General have resumed face to face medical examinations for some clients.

No longer offering 2 week deferred period on Income Protection applications. (19.03.2020)

No longer offering Immediate Cover. (20.03.2020)


 

https://www.lv.com/adviser/coronavirus-update/protection

Application questions updated: Yes

Have any of the following applied to you in the last month?

  • I've tested positive for Coronavirus (Covid 19)
  • I've been advised to self-isolate or I'm currently self-isolating
  • I've had symptoms suggestive of Coronavirus (Covid 19). For example, any of the following - a new continuous cough, high temperature and/or difficulty breathing

Opening Hours: 09:00 – 17:00

Current Turnaround (01.04.20): 5 working days

GP Reports: We recognise the demands on GPs and other medical professionals, and support their efforts, particularly as many are increasingly being prioritised towards supporting the front line and at risk themselves. We’re building on and extending our current practices to get customers covered without delay and help reduce the burden on the NHS. The minority of cases where Fastway is unable to offer an immediate decision will now be reviewed individually by our experienced underwriters. They’ll aim to make a decision through their judgment, speaking directly with the client or securing evidence from them - without resorting to screenings or reports.

We’re adopting the same principles for all existing pipeline business. We’re working through these cases as fast as we can, and will be in contact with advisers and their clients to: advise of the outcome, suggest reducing cover to within the new medical limits, or seek more information.

Medical Examinations (Square Health): From 05.06.20 LV= have resumed face to face medical examinations for some clients. Virtual appointments are still being considered for term applications.

No longer offering Back to Day 1 or 1 week deferred periods for Personal Sick Pay applications. (27.03.2020). They have also stopped paying ‘self-isolation’ claims on their PSP policies. 

From 14.04.20 LV= have increased their non-medical limits for Income Protection, PSP and Life & Critical Illness applications by 10%. Limits for Life only have been unchanged.

Premium holidays: From 22.04.20 LV= have introduced a premium break option for vulnerable customers who have a Life, Critical Illness or Income Protection policy.

  • The policy must have been in force for more than 12 months
  • Have a good history of premium payments and be less than 3 months in arrears
  • Have not already utilised a premium holiday option
  • Have suffered significant drop in their income or their usual earnings have stopped (does not include savings)
  • Are not in receipt of furloughed payments
  • Also available for a range of vulnerable customers (check with LV= for specific details)

Clients in receipt of the payment break will still be covered and can claim under an Income Protection policy, occupation definitions will not be changed.

The break will last for a maximum of 3 months and will be reassessed every month. Specific career break and unemployment payment holiday options may also be available on Income Protection policies.

From 01.06.20 LV= are also offering the option for clients to reduce the monthly premium by decreasing their cover by any amount as long as the premium remains above £5.00, a period of 6 months. This was previously set to a maximum of 75%. The cover will then automatically return to the original amount without the need for additional underwriting. Minimum cover amounts and premiums still apply. This option is available for all personal and business protection products excluding Personal Sick Pay.


https://adviser.royallondon.com/protection/campaigns/coronavirus-statement/

Regardless of anything you have already told us about; have any of the following applied to you in the last month? (Please select all that apply)

  • I've had a new continuous cough and or a high temperature.
  • I've been advised to self-isolate
  • I've tested positive for Coronavirus
  • I've had direct contact with someone who's been confirmed or suspected to have Coronavirus
  • None of the above

If they’re working from home or are following general advice to avoid social interactions, they should not consider themselves as self-isolating.

We recognise that front line health care workers are in a unique position. In most cases we'll be able to progress their application, even if they answer that they've had direct contact with someone who's been confirmed or suspected to have Coronavirus.

Opening Hours: 08:00 – 18:00

Current Turnaround (11.06.20): 24 hours

GP Reports: Still being issued however Royal London are no longer chasing outstanding reports in order to reduce the impact on the NHS.

Medical Examinations (Medical Screening Solutions and Square Health): From 11.06.20 Royal London have resumed face to face medical examinations for some clients.   

From 16.04.20 the non-medical limits for life only applications have been increased by 10% for people under the age of 60, up to the nearest £25,000. For applications that require evidence due to routine medical limits there will be the option to reduce the amount of cover, otherwise the application may be postponed.

Royal London have also updated their underwriting position for certain groups of customers who are considered more vulnerable to the effects of Coronavirus. They have reduced the maximum level of rating to 200% and will taper this threshold by age. They will be happy to reconsider applications for higher risk customers after six months and when the current situation has been resolved.

 


 

Application questions updated: Yes (01.05.20)

In the last month, have you,

  • Tested positive for Coronavirus?
  • Been personally advised to self-isolate by a medical professional or the NHS 111 but have not been diagnosed with Coronavirus and are still self-isolating?
    • Please answer "no" if you are only following Government advice of "social-distancing" in order to avoid spread of the virus.
  • Had direct contact with someone who’s been confirmed or suspected to have Coronavirus?
    • Please answer "no" if the only contact is related to working within the medical profession.

 Anyone answering yes to any of the above questions will be postponed for 3 months.

Do you have continuing symptoms suspected to be Coronavirus such as a continuous cough, high temperature, fatigue or body aches?

  • If yes, Please give full details.                                                                                                                  

Anyone answering yes to this question will be referred for manual underwriting.

Opening Hours: 09:00 – 17:30.

Current Turnaround: 48 hours

GP Reports: Still currently being requested

Medical Examinations (Medicals Direct Group): All appointments currently suspended.  


https://www.the-exeter.com/news/coronavirus-covid-19/

Application questions updated: No

Opening Hours: 08:00 – 18:00

Current Turnaround: New applications 24 hours

GP Reports: Currently we are requesting medical reports from GP surgeries only when essential, as we are mindful that their priority is to support the national response to this pandemic.

Medical Examinations: From 17.04.20 The Exeter are trialling virtual examinations through Square Health to some life and income protection customers. This appears to only be for applications in the pipeline not new applications. They will be looking to assess weight, blood pressure (if the client has a monitor) and carry out finger prick blood tests from kits provided for them.

From 09.06.20 face to face medicals will resume.

Applications submitted after 12pm on 16.03.2020 will not include payments for self-isolation.

Exclusion applied (for the first 12 months) for Day 1 or 1 week deferred period policies. This applies to new applications submitted after 18.03.2020 and previously submitted applications that were not underwritten before 18.03.2020.


https://adviser.vitality.co.uk/coronavirus-update/

Application questions updated: Yes

Opening Hours: 08:00 – 18:00 Mon-Thu, 08:30 – 17:00 Fri

Current Turnaround: 48 hours

GP Reports: Still currently being requested

Medical Examinations: From 09.06.20 Vitality have resumed face to face medical examinations for some clients.

Applicants ages 65 or over will automatically be referred to underwriting.

Income Protection applications with deferred periods less than 13 weeks will no longer be accepted from 26.03.2020.

The full earnings guarantee will be removed for all new Income Protection applications after 27.03.2020.

Premium Payment Holidays: To help at this time, clients who may be experiencing financial difficulties now have the opportunity to reduce the premiums they pay each month, with a proportional reduction in cover. This will assist those in financial need to afford cover in the time that they need it most. Should this be appropriate for your clients, they are able to reduce their premiums by 25%, 50% or 75% and their cover will reduce by the same percentage. This would be effective from their next premium collection date. We are recommending that any clients who contact us directly should refer to their adviser, to ensure that the cover still meets their individual needs as we are unable to give advice.

The reduction in premium will be effective for three months following which we will revert to their previous premium and cover amounts without the need for further underwriting. There will also be no commission impact to you where clients utilise this facility.


 

https://www.zurich.co.uk/insurance/coronavirus/life-and-critical-illness-insurance-customers

Application questions updated: Yes

  • Have you tested positive or been in contact with someone who has Coronavirus (COVID-19), have you had a high fever or high temperature, a new continuous cough, breathing difficulties or any other symptoms of Coronavirus (COVID-19) or been advised to self-isolate for any other reason?

Depending on the answer addition supplementary questions are then asked.

Opening Hours: 08:30 – 17:30

Current Turnaround: 24-48 hours

GP Reports: Still currently being requested but are not actively being chased by Zurich.

Medical Examinations (Medicals Direct Group, Medical Screening Solutions, Square Health): From 08.06.20 Zurich have resumed face to face medical examinations for some clients. Exercise ECGs will not be performed remotely at this point.

If someone discloses that they have, or have had, Covid-19, we will be postponing offering terms, typically for 1 month after recovery for Life cover or Critical Illness (as of 31.07.20) and 3 months for Income Protection. However, these cases will all be referred to an underwriter and we will use the latest guidance to apply the appropriate postponement period.

In these circumstances, where you have been advised to self-isolate due to experiencing symptoms yourself, your application will be postponed. Typically for 1 month after a full recovery for Life cover or Critical Illness.

If you are applying for Life cover with or without Critical Illness cover and are self-isolating due to someone else in your household experiencing symptoms, your application will be postponed for 1 month after your self-isolation has been completed.

Where you have been advised to self-isolate due to experiencing symptoms yourself, any application for Income Protection, Waiver of Premium or Total & Permanent Disability will be postponed for 3 months from after you have made a full recovery. If you are self-isolating due to someone else in your household experiencing symptoms, your application will be postponed for 1 month after your self-isolation has been completed.

 

Premium holidays: From 01.05.20 Zurich have introduced three options to help clients whose income have been impacted by coronavirus.

Deferred premiums - can defer premiums for up to 3 months without any reduction in cover.

Career break - their Income Protection product already allows customers to take a career break which lets them reduce their monthly benefit to a minimum of £250 per month or their premiums to a minimum of £5 per month, for up to 12 months. For policies that were started before 31 March 2020 Zurich are waiving the requirement that policies must be in forces for 12 months before this option can be used.

Decreasing and increasing level of cover - available for Life Protection Platform customers (policy numbers start with PR). They can choose to decrease their sum assured for 6 months and then increase it back to the original level without the need for any underwriting. If the customer decides to reduce the cover Zurich will refer the customer back to the adviser to confirm. Once agreed the reduction in cover can be completed using Zurich's adviser portal which will automatically reduce the cover and issue new policy documents. If your customer requires this option please let your Case Manager know and we can action this for you. Just before the 6 months is up Zurich will remind the customer that the cover will automatically increase to the previous levels.

To proceed with one of these options the customer must contact Zurich to request this (0370 241 6945). Zurich will discuss their personal situations and explain the options available.


For the latest information, you can visit the government’s official website: https://www.gov.uk/guidance/coronavirus-covid-19-information-for-the-public

Medical Examination Appointment Update

We have received the following updates from MSS and MDG in relation to medical examinations. At the moment it seems more likely that local restrictions will be put in place rather than a national lock down, which means some areas may have longer delays than others. MSS have confirmed that any appointments with clients in affected areas will be re-arranged for after the local lock down or after further government advice. We expect MDG to take a similar approach. 

Medical Screening Solutions - MSS 

MSS have advised that they are working to their normal SLAs in terms of processing new requests and the pipeline of work, however, there have been some coverage issues due to Coronavirus. Since resuming services in mid-June, MSS have completed several thousand face to face screenings, and continue to see hundreds of clients daily for their insurance medicals. 

There has been an inevitable element of taking longer to arrange some cases but MSS believe they have seen the high point of this. As more and more medical examiners return to the network this will continue to improve in the coming weeks and months. 

 

Medicals Direct Group - MDG 

MDG have confirmed they are working closely with their network and more examiners are slowly resuming face to face medicals. There are some geographical restrictions but if they do not have an examiner currently available, they are sourcing out of area nurses for urgent cases. 

 

We are still waiting for an update from Square Health but will confirm this information as soon as possible. 

 

Your Case Manager will continue to manage any pipeline cases you have that require medical examinations and will work with the insurers to see if alternative forms of evidence could be provided if an examination is not possible. 

For more information on specific cases please check Case Tracking or contact your Case Manager. 

LifeQuote Service Updates - correct as of 10.08.2020

 

Telephone Applications

Opening hours: 08:00 - 21:00 Mon-Fri 

0800 195 9779

 

Case Management

Opening hours: 08:00 - 17:30 Mon-Fri

01243 817903

 

Sales Support

Opening hours: 09:00 - 17:30 Mon-Fri

01243 791199

 

 
You can contact your Case Manager for updates on 01243 817903 but don't forget you can always gets real time instant updates via our Case Tracking tool

 

Previous Updates

Update 11 - 16.06.2020

Update 10 - 24.04.2020

Update 9 - 16.04.2020

Update 8 - 08.04.2020

Update 7 - 03.04.2020

Update 6 - 30.03.2020

Update 5 - 27.03.2020

Update 4 - 25.03.2020

Update 3 - 20.03.2020

Update 2 - 17.03.2020

Update 1 - 13.03.2020

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