Underwriting

Assessment may operate at group, portfolio or individual-benefit level. Income describes FlexCare pricing by portfolio, while Singlife’s brochure identifies underwriting for cover above a stated threshold.

Ask which information is needed for the actual application, who may provide it and when acceptance is confirmed. Keep an indicative estimate distinct from accepted insurance terms.

If the insurer offers revised terms, record the change and obtain an explanation before deciding. Do not treat a completed form or a requested start date as proof of acceptance.