Aviva updates non-medical underwriting limits

The updates include moving 80% of medical examinations to nurse-led screenings. 

Related topics:  underwriting,  Aviva
Lucy Whalen | Editorial Assistant, Protection Reporter
18th June 2026
Aviva Research
"By shifting more medical evidence requirements to nurse-led screenings, we’re helping customers get their cover more quickly."
- Robert Morrison - Aviva

Aviva has announced changes to its non-medical underwriting limits with the aim of improving accessibility and end-to-end turnaround times.

The change will see Aviva transitioning more than 80% of medical examinations from traditional doctor examinations to nurse-led medical screenings.

Nurse screenings can be carried out in a customer’s home or workplace, meaning appointments can be arranged more quickly and helping to reduce the time to complete a medical examination by up to 50%.

This is the latest step in a number of changes to Aviva’s underwriting approach including the earlier launch of an AI summarisation tool for critical illness and life insurance.

READ MORE: Primis updates Uinsure partnership with sole tie option

"We’re continually looking for ways to make underwriting faster, simpler and more customer-focused without compromising on the quality of our risk assessment," Robert Morrison, chief underwriting officer at Aviva, said.

"By shifting more medical evidence requirements to nurse-led screenings, we’re helping customers get their cover more quickly.

"At the same time, we’re using technology, including our AI underwriting summarisation tool for life and CI. These improvements mean a more efficient experience for customers and advisers."

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