Our underwriting approach
Beagle Street protection offers a streamlined digital underwriting journey without the need for upfront medical evidence.
No medical evidence
We don't ask for GP reports, medical tests or examinations at application, avoiding delays for your clients.
Quick underwriting
We provide swift underwriting decisions. All our customers get a decision at the point of sale.
Accurate and bespoke
Any extra loading we may need to apply will be bespoke, to accurately reflect your customer's risk.
Pre-sales underwriting tool
Our pre-sales tool allows you to obtain an indicative underwriting decision before applying.
It's a comprehensive solution that cover all conditions in our rules engine. That means every rule outcome is accounted for, including complex combination risks giving advisers complete clarity upfront.
We also show the real-time price alongside the decision, so advisers and customers know exactly where they stand before moving forward.
There's no more having to call an underwriting helpline to understand more complex lives and combination risks - you can do it with the customer right there with you, at a time that works for you.
Your pre-sales enquiry is not an offer of terms. The final decision and premium will be based on the full application submitted.
Helpful tools and resources
Occupation definition guide
Guidance on our definitions of incapacity for total permanent disability and waiver of premium.
Sum assured limits
See the minimum and maximum cover available based on your customer's age.