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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 15.01.2021. Please check the exact details with each insurer. 

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

Opening Hours: 08:30 – 17:30 Monday to Friday

Current Turnaround (11.01.2021): New business 4 working days

GP Reports: Requesting as normal

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

Virtual Appointments: No

Premium Holidays: Premium Deferral option is available to allow clients to defer payments for up to 3 months. Assessed on a case by case basis by contacting Aegon directly.


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

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

Current Turnaround (11.01.2021): 11 working days

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): Appointments are being completed as normal

Virtual Appointments: If a face to face appointment is not possible they are considering virtual appointments or alternative forms of evidence may be considered. 

Cover Changes: Currently not able to offer cover for UK nationals living abroad on a short, medium or long term basis or live outside the UK.

 

Premium holidays: AIG offer 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. All policies offer a 30 day deferral period, if a customer is unable to make a payment on time, provided they can make payment by the time their next premium is due.


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

Application questions updated: Yes

Opening Hours: 08:00 – 18:00 Mon-Fri

Current Turnaround (13.01.2021 ): 48 hours

GP Reports: Requested as normal

Medical Examinations (Medicals Direct Group): Appointments in England are completed as normal, in Scotland no home visits are allowed, alternative options are being looked at.

Virtual Appointments: No

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. The current benefits and level of cover will remain the same.


https://advisers.britishfriendly.com/

Application questions updated: No

Opening Hours: 09:00 – 17:00

Current Turnaround (15.01.2021): 3 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: Appointments are being completed as normal

Virtual appointments: Yes  

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.


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

Opening Hours: 09:00 – 17:30

Current Turnaround (15.01.2021) 2-3 working days

GP Reports: Still currently being requested

Medical Examinations: Appointments are being completed as normal

Virtual appointments: No 

Premium Holidays: No longer available


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

Opening Hours: 09:00 – 17:00

Current Turnaround (13.01.2021) 2 working days

GP Reports: Requested as normal 5 day turnaround

Medical Examinations: Appointments are being completed as normal

Virtual appointments: No

Cover changes: 4 week deferred period is now available on full term applications. 1 week is still suspended.

Premium Payment Holidays: The career break is still available for those that have paid 36 months premiums and the Member options can be discussed if a Member if financially vulnerable.

 


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

Opening Hours: Mon-Fri 9:00 - 18:00, Sat closed

Current Turnaround (11.01.2021): 5 working days

GP Reports: Still currently being requested

Medical Examinations (Medicals Direct Group)Appointments are being completed as normal

Virtual appointments: Yes

Premium holidays: If you are suffering from financial hardship due to the impact of COVID-19 you may be able to take a Payment Holiday*. A Payment Holiday lets you take a three month break from paying your monthly premiums.


 

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

Opening Hours: 09:00 – 17:00

Current Turnaround (12.01.2021): 3-4 working days

GP Reports: Requesting as normal if needed

Medical Examinations (Square Health): Appointments are being completed as normal

Virtual appointments: Yes

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


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

Opening Hours: 08:00 – 18:00

Current Turnaround (13.01.2021): 24hrs new applications otherwise 11 days

GP Reports: Requesting as normal 

Medical Examinations (Medical Screening Solutions and Square Health): Appointments are being completed as normal.

Virtual appointments: Yes

Payment Holidays: No however there are options available if a client speak with their customer service department on 0345 6094 500.


 

https://www.scottishwidows.co.uk/global/coronavirus/

Opening Hours: 09:00 – 17:30 Mon-Fri

Current Turnaround (08.01.2021): 48 hours

GP Reports: Requested as normal

Medical Examinations (Medicals Direct Group): All appointments continuing as normal.

Virtual Appointments: No   

Premium Payment Holidays: Yes this would be considered on a case by case basis.


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

Opening Hours: 08:00 – 18:00

Current Turnaround (08.01.2021): 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 (Square Health): Appointments are being completed as normal.

Virtual appointments: Yes

Cover changes: Exclusion applied (for the first 12 months) for Day 1 or 1 week deferred period policies. This applies to new applications submitted or underwritten after 18.03.2020.

Premium Payment Holidays: Options are available if a client is struggling to pay their premiums. Clients can speak with The Exeter directly on 0300 123 3201 to discuss individual circumstances.


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

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

Current Turnaround (08.01.2021): 48 hours

GP Reports: Being requested as normal.  

Medical Examinations: Appointments are being completed as normal.

Virtual appointments: No

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. 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.


 Zurich Logo

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

Opening Hours: 08:30 – 17:30

Current Turnaround (15.01.2021): 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): Appointments are being completed however in high COVID areas there could be delays.

Virtual appointments: Yes if a face to face is unable to be completed.

Premium holidays:.

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

Career break - For those customers with a policy starting with PR, there is an additional option to reduce the sum assured and then increase it back to the original level.
Zurich have waived the requirement for policies to be in force for a minimum period of twelve months before the career break option can be utilised.

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.

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.


Accurate at 13.01.2021
For the latest information, you can visit the government’s official website: https://www.gov.uk/guidance/coronavirus-covid-19-information-for-the-public

LifeQuote Service Updates - correct as of 05.09.2020

 

Telephone Applications

Opening hours: 08:00 - 21:00 Mon-Fri 

09:00 - 12:00 Sat

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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