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L&G’s Retail Protection business has made a series of underwriting improvements in response to customer feedback and behavioural science, with the aim of making application forms easier to complete, more relevant, and aligned with industry best practice.
Complex questions have been broken down and clarified, and more examples are now provided throughout, helping customers to supply accurate information with confidence.
This improved disclosure helps L&G to understand customers’ needs more fully, so that when a claim is received, the policy in place accurately supports the individual’s needs and circumstances.
Broad questions have been divided into smaller, more specific health and lifestyle queries, and family medical history questions now refer specifically to ‘full blood’ relatives to minimise errors and manual referrals.
David Banks, director of claims and underwriting, Retail Protection, L&G, said: "This latest series of underwriting improvements is designed to simplify the application journey to ensure that customers are more accurately protected and better supported throughout the process.
"The changes reflect our commitment to listening to customer feedback, learning from claims experience, and applying behavioural insights. Our enhanced application process, aligned with current trends and industry best practice, will help customers tell us what we need to know to pay more claims."
