PUBLIC

Accurate at 02.04.2020

For the latest information, you can visit the government’s official website: https://www.gov.uk/guidance/coronavirus-covid-19-information-for-the-public

Coronavirus and LifeQuote Page 1 of 13 Apr-20

Insurer Update

https://www.aegon.co.uk/coronavirus.html

Application questions updated: Yes

Opening Hours: Phone lines are currently closed except for claims.

Current Turnaround (01.04.20): 5 working days

GP Reports: So as not to put even more strain on GP resources, we’ve decided to temporarily stop requesting medical information from GPs at this time. As we still require medical information for referred applications, we’re now postponing decisions for all applications requiring medical evidence. (27.03.20)

Medical Examinations (Medical Screening Solutions): All appointments have been cancelled.

Recommending to check the non-medical limits to avoid underwriting complications and then revisit the client’s needs once the crisis is over and increase if necessary. This can be done for new applications and those already submitted.

Immediate Cover for Business Protection & Relevant Life applications have been removed.

PUBLIC

Accurate at 02.04.2020

For the latest information, you can visit the government’s official website: https://www.gov.uk/guidance/coronavirus-covid-19-information-for-the-public

Coronavirus and LifeQuote Page 2 of 13 Apr-20

https://www.aiglife.co.uk/advisers/products/individual-protection/coronavirus-individual-qa/

Application questions updated: No

Opening Hours: 09:00-18:00 Mon-Thu, 09:00-17:30 Fri

Current Turnaround (01.04.20): 2 working days

GP Reports: We are still requesting and receiving GP information at present. It is slowing down and expected to slow down further. We will refer all cases where GP evidence is needed to underwriting in order to apply an individual consideration approach. The underwriters will look for alternative evidence where possible, including customer supplied evidence and tele interviews. For people with medical conditions that mean they are high risk of COVID-19 complications we would need to postpone the application.

Medical Examinations (Medical Screening Solutions and Square Health): From 23rd March we have been unable to obtain medical screenings. In order to offer some cover immediately we will offer up to the non-medical limit straight away. When medical screenings are available we will work with advisers to increase the level of cover with the necessary evidence. We are also working closely with two medical screenings providers to investigate the setting up virtual screenings with self-testing bloods which could be used for some customers. As soon as we have more information on this, I will share it with you.

Where alternative evidence is not available, for those sums assureds that would normally require routine medical evidence, we could look to underwrite cover at a reduced level. The level of cover may then be increased at a later date when medical evidence can be obtained.

Due to the rapidly changing environment we have decided to postpone all applications for:

UK nationals living abroad on a short, medium or long-term basis or live outside the UK permanently

Foreign nationals living abroad

PUBLIC

Accurate at 02.04.2020

For the latest information, you can visit the government’s official website: https://www.gov.uk/guidance/coronavirus-covid-19-information-for-the-public

Coronavirus and LifeQuote Page 3 of 13 Apr-20

http://www.aviva-for-advisers.co.uk/adviser/site/public/news/detail/coronavirus-your-individual-protection-questions-answered

Application questions updated: Yes

Are you currently experiencing symptoms of a cough, a high temperature or fever, breathing difficulties or any other symptoms of Coronavirus (COVID-19); or

Have you tested positive for Coronavirus (COVID-19); or

Are you self-isolating due to symptoms of Coronavirus (COVID-19); or

Have you been advised to self-isolate for any other reason, or had direct contact with someone who’s been confirmed or suspected to have Coronavirus?

Opening Hours: Phone lines are currently closed.

Current Turnaround (01.04.20): 48 hours for new applications, 7 working days for evidence

GP Reports: New applications where GP Reports are required are now being postponed until the strain on the NHS has been resolved. For existing applications where a GP Report has been issued Aviva will no longer chase these but will assess the information if it is returned. No new GP Report will be requested. (26.03.20)

Medical Examinations (Medicals Direct Group): All appointments have been suspended.

Anyone aged 70 or over will automatically be referred for manual underwriting, no automatic decisions will be made. (20.03.20)

Reduced the maximum online loading for clients with underlying medical conditions resulting in referrals to the underwriting team.

PUBLIC

Accurate at 02.04.2020

For the latest information, you can visit the government’s official website: https://www.gov.uk/guidance/coronavirus-covid-19-information-for-the-public

Coronavirus and LifeQuote Page 4 of 13 Apr-20

https://advisers.britishfriendly.com/

Application questions updated: No

Opening Hours: 10:00 – 16:00

Current Turnaround (01.04.20): 5 working days

GP Reports: No available information.

Medical Examinations (Medicals Direct Group): All appointments suspended.

New applications submitted after 14.03.2020 will include an exclusion for coronavirus.

Day 1 and 1 week deferred periods removed with effect from 5pm on 30.03.2020 for any new applications.

PUBLIC

Accurate at 02.04.2020

For the latest information, you can visit the government’s official website: https://www.gov.uk/guidance/coronavirus-covid-19-information-for-the-public

Coronavirus and LifeQuote Page 5 of 13 Apr-20

https://content.guardian1821.co.uk/literature/COVID-19.pdf

Application questions updated: Yes

In the last month have you,

Tested positive for Coronavirus illness (Covid-19)?

Been personally advised to self-isolate by a medical professional or the NHS 111 but have not been diagnosed with Coronavirus illness (Covid-19)?

Had, or do you currently have a new, continuous cough and/or high temperature?

Had direct contact with someone who's been confirmed or suspected to have Coronavirus illness (Covid-19)?

If the client answers yes to any of the new questions their application will be postponed for 3 months. They can then reapply when they can answer no to all the Covid-19 questions.

Opening Hours: Standard hours

Current Turnaround (01.04.20): 8 working days

GP Reports: Still currently being requested

Medical Examinations (Medical Screening Solutions): All appointments suspended. All new applications submitted after 27.03.20 that require a medical screening due to reaching a non-medical underwriting limit will be postponed. Applications that fall within non-medical limits are being processed as normal.

All applications that require a medical screening due to a medical disclosure, we will look for an alternative form of evidence, for example a questionnaire to be completed by the client or a GP Report. In some cases, an alternative form of medical evidence won’t be suitable, so those applications will be postponed.

Where we automatically requested a medical screening for cases exceeding our non-medical limits, once we have all other information we need, we’ll reduce the amount of cover to below the automatic non-medical limit.

Currently Guardian will not issue any policies where the sum assured is above the non-medical limits. From 01.04.2020 the non-medical limits have been increased by 10% for anyone aged under 60. This is for new and pipeline applications.

Pipeline applications that did not answer the Covid-19 questions above will be requested to answer

these.

PUBLIC

Accurate at 02.04.2020

For the latest information, you can visit the government’s official website: https://www.gov.uk/guidance/coronavirus-covid-19-information-for-the-public

Coronavirus and LifeQuote Page 6 of 13 Apr-20

https://www.holloway.co.uk/coronavirus

Application questions updated: Yes

Opening Hours: Standard hours

Current Turnaround (01.04.20): 4 working days

GP Reports: Information unknown

Medical Examinations: Information unknown

New applications submitted after 5pm on 13.03.2020 with a 1 week deferred period will have an exclusion applied.

New applications submitted after 17.03.2020 will include an exclusion for coronavirus on policies with 1, 4 or 8 week deferred periods.

PUBLIC

Accurate at 02.04.2020

For the latest information, you can visit the government’s official website: https://www.gov.uk/guidance/coronavirus-covid-19-information-for-the-public

Coronavirus and LifeQuote Page 7 of 13 Apr-20

https://www.legalandgeneral.com/adviser/files/protection/_resources/documents/coronavirus-covid-19-update-for-intermediaries-0320.pdf

Application questions updated: Yes

In the last 30 days have you:

Had a new or unexplained continuous cough, fever or high temperature? Y/N

Tested positive for, or been diagnosed with coronavirus/COVID19? Y/N

In the last 14 days have you:

Been self-isolating or been advised you should? Y/N

Had direct contact with someone who has been diagnosed with, or suspected of having coronavirus? Y/N

If the client answers yes to the following they would need to re-apply:

Has been diagnosed with Covid-19 – would need to re-apply 90 days after the symptoms stop.

Has or is experiencing symptoms – would need to re-apply 30 days after the symptoms stop.

Has been in contact with someone who has been diagnosed or has symptoms of Covid-19 – would need to re-apply 14 days the last contact and they have been symptom free for 30 days.

Opening Hours: Mon-Fri 9:00 - 17:00, Sat closed

Current Turnaround (01.04.20): 3 working days

GP Reports: Still currently being requested

Medical Examinations (Medicals Direct Group): All appointments currently suspended.

No longer able to respond to pre-sale enquires.

No longer offering 2 week deferred period on Income Protection applications. (19.03.2020)

No longer offering Immediate Cover. (20.03.2020)

PUBLIC

Accurate at 02.04.2020

For the latest information, you can visit the government’s official website: https://www.gov.uk/guidance/coronavirus-covid-19-information-for-the-public

Coronavirus and LifeQuote Page 8 of 13 Apr-20

https://www.lv.com/adviser/coronavirus-update/protection

Application questions updated: No

Opening Hours: 09:00 – 16:30

Current Turnaround (01.04.20): 5 working days

GP Reports: We have stopped issuing new GP Report requests, this has been in line with GP surgery feedback that they are, understandably, not focusing on insurance work at this moment. Our Claims and underwriters are working tirelessly at the moment to look at new rules to be able to handle such a change whilst we continue to monitor the advice being given by both the NHS and Government.

Medical Examinations (Square Health): All appointments currently suspended.

No longer offering Back to Day 1 or 1 week deferred periods for Personal Sick Pay applications. (27.03.2020). They have also stopped paying ‘self-isolation’ claims on their PSP policies.

PUBLIC

Accurate at 02.04.2020

For the latest information, you can visit the government’s official website: https://www.gov.uk/guidance/coronavirus-covid-19-information-for-the-public

Coronavirus and LifeQuote Page 9 of 13 Apr-20

https://adviser.royallondon.com/protection/campaigns/coronavirus-statement/

Application questions updated: Yes

Regardless of anything you have already told us about; have any of the following applied to you in the last month? (Please select all that apply)

I've had a new continuous cough and or a high temperature.

I've been advised to self-isolate

I've tested positive for Coronavirus

I've had direct contact with someone who's been confirmed or suspected to have Coronavirus

None of the above

If they’re working from home or are following general advice to avoid social interactions, they should not consider themselves as self-isolating.

Opening Hours: Standard hours

Current Turnaround (01.04.20): 1 day for new applications, 5-6 days for evidence

GP Reports: Still being issued however Royal London are no longer chasing outstanding reports in order to reduce the impact on the NHS.

Medical Examinations (Medical Screening Solutions and Square Health): All appointments currently suspended.

PUBLIC

Accurate at 02.04.2020

For the latest information, you can visit the government’s official website: https://www.gov.uk/guidance/coronavirus-covid-19-information-for-the-public

Coronavirus and LifeQuote Page 10 of 13 Apr-20

Application questions updated: No

Opening Hours: Some offices are currently closed causing some phone lines to be unavailable.

Current Turnaround (01.04.20): new applications 3-4 days, pipeline 4-5 days

GP Reports: Still currently being requested

Medical Examinations (Medicals Direct Group): All appointments currently suspended.

PUBLIC

Accurate at 02.04.2020

For the latest information, you can visit the government’s official website: https://www.gov.uk/guidance/coronavirus-covid-19-information-for-the-public

Coronavirus and LifeQuote Page 11 of 13 Apr-20

https://www.the-exeter.com/news/coronavirus-covid-19/

Application questions updated: No

Opening Hours: Standard hours

Current Turnaround (01.04.20): new applications 24 hours, 4 working days for evidence

GP Reports: Currently we are requesting medical reports from GP surgeries only when essential, as we are mindful that their priority is to support the national response to this pandemic.

Medical Examinations (Medical Screening Solutions): A number of new applications and claims require medical evidence. In order to observe social-distancing we will not be asking applicants to undergo health screenings. We are working with our partners to find alternative ways in which to underwrite such applications and what information can be used as a substitute.

Applications submitted after 12pm on 16.03.2020 will not include payments for self-isolation.

Exclusion applied (for the first 12 months) for Day 1 or 1 week deferred period policies. This applies to new applications submitted after 18.03.2020 and previously submitted applications that were not underwritten before 18.03.2020.

PUBLIC

Accurate at 02.04.2020

For the latest information, you can visit the government’s official website: https://www.gov.uk/guidance/coronavirus-covid-19-information-for-the-public

Coronavirus and LifeQuote Page 12 of 13 Apr-20

https://adviser.vitality.co.uk/coronavirus-update/

Application questions updated: Yes

Opening Hours: Standard hours

Current Turnaround (01.04.20): 5 working days

GP Reports: Still currently being requested

Medical Examinations (Speed Health): Applications requiring a medical examination will either be postponed or a GP Report will be issued.

Applicants ages 65 or over will automatically be referred to underwriting.

Income Protection applications with deferred periods less than 13 weeks will no longer be accepted from 26.03.2020.

The full earnings guarantee will be removed for all new Income Protection applications after 27.03.2020.

PUBLIC

Accurate at 02.04.2020

For the latest information, you can visit the government’s official website: https://www.gov.uk/guidance/coronavirus-covid-19-information-for-the-public

Coronavirus and LifeQuote Page 13 of 13 Apr-20

https://www.zurich.co.uk/insurance/coronavirus/life-and-critical-illness-insurance-customers

Application questions updated: Yes

As a result of COVID-19 we have amended some of our health and travel questions for the Interactive submission route. These include:

Changes to our current symptoms questions to more explicitly capture symptoms that are associated with COVID-19 (fever and high temperature).

An update to our future travel question to highlight anyone who intends to travel, against the Foreign and Commonwealth Office (FCO) guidance.

Opening Hours: Standard hours

Current Turnaround (01.04.20): new applications 3 days, pipeline 10 days

GP Reports: Still currently being requested

Medical Examinations (Medicals Direct Group, Medical Screening Solutions, Square Health): All appointments currently suspended.