Once and Done Underwriting Policy
Irish Life is delighted to report on the success of our Once and Done underwriting policy to date.
We were the first to introduce this to the Irish market in September 2010. The initiative has proven successful with over 200 lives underwritten for life cover over more than 50 schemes. Where accepted, all these scheme members can look forward to future benefits increases without need for any form of underwriting (up to jumbo levels of €6m).
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Morgan Ash Tele-Interviews
Morgan Ash Tele-Interviews were introduced into the Compulsory Underwriting Process in July 2009. The process has proved to be very successful as the fully qualified Nurses from Morgan Ash have been able to gather health and medical history from a member of a scheme over the phone. Only members that have exceeded the non-medical limits for Death in Service and/or Income Protection benefits or have passed their Normal Retirement Age are required to complete a Morgan Ash Tele-interview.
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Period of Grace Rules Review
We have reviewed the exact rules under our Period of Grace policy. Unlike many insurers in the market, Irish Life provides a limited form of cover to lives before underwriting has been complete. This can be valuable in the case of a sudden or accidental death during the underwriting process.
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