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New, detailed health conditions pre-underwriting guide

New, detailed health conditions pre-underwriting guide from HSBC Life

It pays to keep up to date. Here we’ll give you the latest news, commentary and developments at HSBC Life – including product and service launches or enhancements, and more.

Finding good quality life cover for your clients can be a challenge if they have a potentially adverse medical history. As a trusted Financial Adviser, you’ll want to give each client clear and honest information about how their medical health – and other factors – will affect their ability to get cover.

HSBC Life has added a new Pre-Underwriting Guide to our website to give you detailed and dynamic information on the most commonly disclosed health conditions, and how they affect Life Protection and Critical Illness applications.

The new guide also explains the relevance of certain occupations and pastimes, and the non-medical limits for our products.

4 new sections of information

To help Advisers manage client expectations about how their application will be assessed, there are four new sections of information:

  • Common medical conditions and family history
  • Other medical conditions plus certain occupations and pastimes
  • Non-medical limits for HSBC Life Protection
  • Non-medical limits for HSBC Critical Illness & Critical Illness Plus

Common medical conditions

Our new, dynamic online underwriting guide will steer you through the most common medical conditions, helping you understand the likelihood of a successful application when a client has a certain medical condition or combination of conditions.

Just click on a condition to understand how it affects Life and Critical Illness applications in full, clear detail. Listed conditions range from asthma to cancer, and from diabetes to mental Illness.

Details are also available about further medical conditions and procedures that are covered or excluded by HSBC Life.

Non-medical limits for HSBC Life Protection and Critical Illness Insurance

The Pre-Underwriting Guide also provides clear details of the non-medical limits for our products. These show the maximum levels of cover by age, split across Life Protection and Critical Illness Insurance.

Helpful FAQs

The guide also provides answers to Frequently Asked Questions on a range of topics including:

  • Smoking
  • Occupations
  • Driving
  • Sports and pastimes
  • Travel

HSBC Life – easy to do business with

These latest enhancements are all part of our commitment to ensuring doing business with HSBC Life is easy and straightforward. Trust us for:

  • Clear and simple protection products offering great value for money
  • Straightforward underwriting for clients, backed by the reassurance of a streamlined claims process
  • Cover approved or declined based on client answers to a number of medical and lifestyle questions in the online application process
  • No medicals or further underwriting

Take a look at the new pre-Underwriting Guide and let your Business Development Manager (BDM) know if you’d like any additional information to support your protection business.