The life office is expanding its existing little T tele-underwriting system to allow Primecares nurses and GPs to speak confidentially to applicants over the phone about their medical history.
While L&G already speaks to customers about disclosures made on their application form, Primecare will give the firm the capacity to cover four more medical conditions through its telephone service.
L&G underwriting and claims director Russ Whitworth says: We see the benefit of using telephone based interviewing to cover medical history because people feel comfortable talking with a medical professional over the phone. It allows us to get a clear picture of someones medical background, which reduces the need for us to request GP reports.
This means that applications are processed more quickly and the likelihood of non-disclosure is reduced.
