Pre-App underwriting tool

Pre-App underwriting tool

Get accurate, up to date and clear indicative underwriting decisions before applying. Our online pre-app tool can provide you with indicative terms quickly, aiming to save you valuable time and making your journey with us easier.

To access the tool, you’ll need to be registered to our Life Protection Platform. Once signed in, the tool is available under ‘Pre-application’.

What can the tool do?

  • The tool will be able to cover 90% of all pre-app enquiries we previously received by phone.
  • It allows you to gain an indicative decision without needing to email our underwriters, saving you time and speeding up the application process for your clients.
  • It is fully integrated with our underwriting rules engine, meaning decisions are accurate and always up-to-date.
  • It provides decisions on a range of products and benefits, not only the ones you select, helping to provide more protection options for your client.
  • Each pre-app case is given a unique reference to help if you would like to discuss the case with us.
  • All cases are automatically saved in one simple dashboard under 'My pre-apps'
  • It allows you to skip some questions and a standard assumption made if the information isn't available, removing barriers in the process.

How does it work?

To use the tool, simply:

  • Enter information on your client such as age and nicotine usage.
  • Enter a required sum assured for at least one product.
  • Disclose any additional information on your client, such as lifestyle and medical details.
  • Review the indicative decision on the results page, which is saved and able to be revisited and edited if necessary.
  • Once you’ve received your results (including your unique ZPA reference) you can choose to chat with one of our experienced underwriters ‘in the moment’ to discuss your results. Simply click on the ‘chat with an expert’ icon shown on screen.
  • You can return to your pre-app results at any time, accessible from your ‘My Pre-Apps’ dashboard.

How to use the pre-app tool

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