How advisers can help speed things up
While advisers can’ t control everything, there are practical steps that make a real difference.
Start by pre-screening thoroughly. A detailed fact-find helps spot potential issues early. Use pre-underwriting tools or provider helplines to check how things like BMI, smoking habits, or mental health history will be treated. This avoids surprises and extra evidence requests later.
Next, go digital wherever possible. Many insurers now offer online application systems with smart questioning and instant decisions. These cut down on paperwork and speed up data capture. Linking tools like SolutionBuilder and CIExpert can also make sure submissions are accurate and complete.
If medical evidence is needed, get clients involved early. Explain why GP reports matter and encourage them to approve digital sharing. Some advisers even provide template letters for clients to send to their GP, which can help speed things up.
It’ s also worth knowing the non-medical limits. Many providers have raised these thresholds, meaning more clients can be accepted without GP reports. Keeping up to date with these changes can save time.
How technology is changing the game
Insurtech is transforming underwriting. AI-driven automation, predictive analytics, and integrated portals are speeding up data collection and decision-making – cutting turnaround times from weeks to days, or even minutes.
AI-powered risk assessment can analyse thousands of data points to predict risk accurately, allowing insurers to fast-track low-risk cases. Digital portals and APIs reduce rekeying errors and make sure data flows smoothly between adviser CRMs and insurer systems. Whilst in some markets, electronic health records( EHRs) are replacing GP reports, giving insurers instant access to verified medical data.
Advisers who embrace these tools not only improve efficiency but also show they’ re meeting compliance standards by delivering timely, client-focused out
The bottom line
Underwriting delays are frustrating, but they’ re not inevitable. By planning ahead, using technology, and working closely with clients and insurers, advisers can cut turnaround times dramatically. That means happier clients, stronger Consumer Duty compliance, and a real competitive edge in a market that
For tricky cases, use specialist placement services. These teams work directly with insurers to negotiate terms, often reducing stress and delays.
For simple, low-risk clients, straight-through processing( STP) can deliver instant decisions. Identify these cases early and make sure you’ re using systems that support automated underwriting.
Finally, embrace evidence-based underwriting. Insurers are increasingly using data-driven models to assess risk without traditional medical evidence. Advisers who understand and trust these approaches can confidently recommend accelerated pathways.
If you want to discuss anything mentioned in this article, make sure to come along to our Protection Roadshows next year.
BOOK YOUR PLACE
December 2025 | 5