L&G claims more underwriting decisions will be made at the point of sale, ensuring customers are able to get the protection cover they need confirmed more quickly.
For life cover up to age 35NB (next birthday) the automatic medical evidence limit has increased to £750,001 and for critical illness cover up to age 30NB the automatic medical evidence limit has increased to £450,001.
Another change is a reduction in the number of blood tests and microscopic urinalyses required.
Russell Whitworth, underwriting and claims director at Legal & General Protection, said: “I am pleased that we have been able to make these changes. They allow us to further reduce the processing time for applications.
“We anticipate that around 6000 extra cases a year will go through without the need for additional underwriting. This supports initiatives we made earlier this year to simplify the application in our determination to make it much easier and quicker for customers to obtain the protection they need.”
