Protection underwriting centre

Your resource for all things underwriting

We’ve created our adviser underwriting centre to make the underwriting process quicker and easier for you. It’s full of information, tips and resources to help things run more smoothly. From our general underwriting philosophy to details of our approach to medical conditions, lifestyle, occupations and other factors, you’ll find it all here.

Underwriting at Aviva

Our philosophy and approach

Our philosophy

Robert Morrison, Chief Underwriting Officer: "Our commitment is to provide your customers with a digital underwriting experience that is straightforward and effortless whilst ensuring every customer is assessed as an individual in terms of the risk they present, thereby providing the fairest premium."


Our approach

We’re proud to say that around 8 out of 10 customers receive an immediate decision, rising to around 9 out of 10 within 48 hours. That’s because we’ve created a process that’s simple, yet detailed enough to give us all the information we need to make an informed decision.

By combining our intelligent underwriting systems and the knowledge of our underwriters, we aim to ensure that even our most complex cases can be handled as quickly as possible.


Experienced underwriters

All our underwriters have to go through our Underwriting Academy. Through developing an understanding of medical conditions, technical knowledge and risk, we’re confident that every one of them is capable of making the right decision for your clients.


Our changing technology

We’re constantly trying to make the underwriting process more streamlined for you, which is why we have introduced e-AMRAs. Combining this with our real-time tracking and automated iGPR solution helps to ensure that you and your clients have a speedy and well-informed underwriting journey. 


ABI Mental Health Standards

At Aviva we’ve fully embedded the ABI Mental Health Standards to support you and your customers.

High value

We know how important high-value protection business is to you, which is why we have a specialist high-value team to provide a bespoke service. The team looks after applications for:

  • Life cover of more than £1.5 million
  • Critical illness cover of more than £750,000
  • Whole of life cover of more than £500,000
  • Income protection cover of more than £75,000 annual benefit
  • Any policy with a premium that is over £500 p/m or £6,000 per year

To find out more about this service, click on the headings and take a look at our handy guide.  

Who to contact

Our bespoke service

Flexible financial underwriting

Tools, calculators and links

Guides, forms and calculators

Download our PDFs for further information about our underwriting processes and use our calculators to find out your client's BMI and rating or how much income protection cover they maybe entitled to.