Aviva is piloting a system which lets advisers sell customers 'top-up' protection after asking them just a single question.
In a ‘test and learn' with three distributors, including London & Country (L&C), advisers can top-up individuals' cover with a single extra question, once the customer has given a full history for the initial policy. L&C customers will have 12 months from the date of arranging their original mortgage-linked cover to take out extra term assured and mortgage life insurance (with critical illness (CI)) products via the one-question system, though Aviva says it may up this window to 24 months for long-term roll out. To be eligible, the customer's medical circumstances can not have changed...
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