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Bright Grey calls for clear definition of tele-underwriting

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Bright Grey is calling for greater clarity in relation to the definitions used for tele underwriting. As more and more companies introduce various degrees of tele underwriting, Bright Grey is suggesting the introduction of benchmarking to remove confusion and help advisers understand the level of service providers are offering.

 

Roger Edwards, Product Director at Bright Grey says that there is confusion in the market about exactly what tele-underwriting means in relation to what providers are offering; "At the moment companies use the term tele-underwriting to mean gathering any amount of information over the phone. For some companies this translates to virtually everything that would be contained in an application form i.e. personal, occupational and health details, a Full Telephone Application Service. For others, it is just health questions they gather on the phone, Telephone Health Questioning. Then there are some who simply follow up specific disclosures made on a traditional application form with a few questions over the phone - Telephone disclosure follow up. The problem is at the moment the whole spectrum is collectively referred to as tele underwriting."

 

Bright Grey believes that the industry should adopt clearer definitions to stop any confusion and that the current terminology should be dropped in favour of more transparent terms:

 

  • Full Telephone Application Service

  • Telephone Health Questioning

  • Telephone disclosure follow up

 

Life insurance: News update: June 2008

 

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