Unum IP package 'all but eliminates need for GP report'

clock

Income protection specialists Unum claims its "revolutionary" underwriting system could soon mean only one in ten IP applications will require a GPs report.

The life and financial insurance firm asks IP applicants not to list and detail former illnesses or injuries – standard practice among most providers - but instead to explain how they dealt with them. It says the new “behavioural” method means applications could take as little as two days, potentially saving IFAs more than a week’s waiting time, and in many cases eliminating the need for a GPs report altogether. Linton Penman, head of retail marketing at Unum, says the system, based on what is called a Bio Psycho-Social Model and rolled out in June, is already having an impact. “Tradi...

To continue reading this article...

Join Professional Adviser for free

  • Unlimited access to real-time news, industry insights and market intelligence
  • Stay ahead of the curve with spotlights on emerging trends and technologies
  • Receive breaking news stories straight to your inbox in the daily newsletters
  • Make smart business decisions with the latest developments in regulation, investing retirement and protection
  • Members-only access to the editor’s weekly Friday commentary
  • Be the first to hear about our events and awards programmes

Join

 

Already a Professional Adviser member?

Login

More on Protection

The protection gap is not a surprise - treating it as one is

The protection gap is not a surprise - treating it as one is

'This is not mysterious. It is what this market is built to produce'

Tony Müdd
clock 09 September 2026 • 4 min read
Aviva in high value protection proposition launch

Aviva in high value protection proposition launch

Rising demand for IHT planning

Cameron Roberts
clock 25 August 2026 • 2 min read
Advisers are changing their views on joint life cover

Advisers are changing their views on joint life cover

What represents true value for the client?

Alan Lakey
clock 11 August 2026 • 3 min read