Select Page

Aviva remove underwriting restrictions as pandemic eases

Aviva remove underwriting restrictions as pandemic eases

Aviva have announced that they will be easing their underwriting stance in two areas from today due to “progress now being made with the vaccination programme and declining COVID-19 infections in the UK”. The changes will mainly affect those with chonic medical conditions who will now hopefully find it slightly easier to obtain terms.

The first change is the removal of COVID-19 “underwriting criteria” on individual protection applications that affected people at the higher end of the rating spectrum (often above +200 extra mortality) or had chronic conditions such as respiratory disease, diabetes or a previous diagnosis of ischaemic heart disease. The removal of this criteria is expected to result in Aviva offering terms to an additional 2% of applications that would have been declined or postponed previously. 

The second change is an update to Aviva’s automated underwriting rules engine which will be applied from 24th May 2021. As part of the rules changes in respect of COVID-19, Aviva will be increasing the maximum rating that can be offered terms automatically. Again, Aviva expect that as a result of this change an additional 2% of applications will be offer immediate terms via the online application system. 

These changes provide advisers with more positive news from insurers and hopefuly signal an overal easing of underwriting rules which will help reduce the pain advisers have been having in getting higher risk applications in force. 

About The Author

Adam Higgs

Adam leads Protection Guru's detailed protection research and benchmarking of both product and operation features provided by insurers and has a vast knowledge of the protection market. He has been instrumental in building the protection comparison service Quality Analyser and maintaining the data to enable adviser to quickly and easily compare protection products based on qualitative measures. He also works with adviser firms to help in panel reviews and with insurers to help them understand the shape of the market, their strengths and the areas that could be improved in their products. In his spare time and when not spending time with his wife and two children, Adam is a keen Arsenal fan and enjoys hacking his way around a golf course.

Leave a reply

Your email address will not be published. Required fields are marked *


Contact Us


Protection Guru Awards

2024 Product Ratings

Cost of Living

Protection Forum

Provider Financial Strength Ratings

Claims facts & Figures

Visit our learning & development Hub


We use cookies to track usage of our website using Google Analytics. Click here to opt-out.
Share This