Which insurer will offer terms? Ask advisers who know.
Underwriting outcomes are hard to predict. CaseHelp lets you ask other protection advisers what they have seen, before you put your client through an application.
Life, critical illness and income protection
Life cover
Hard to place lives, trusts, joint or single policies and larger sums assured.
Critical illness
Medical history, likely terms and exclusions, and which insurer to try first.
Income protection
Risky jobs, self-employed income, deferred periods and own occupation cover.
Post medical details safely
You can share medical facts in general terms. For example: type 1 diabetes, good control, age 38, non-smoker. Leave out anything that could link a condition to a person, such as names, dates of birth or the town they live in.
Before a case goes live, the app checks it for details that could identify your client and asks you to remove them.
Get answers you can use
Other advisers reply with the insurers that offered terms on similar cases and what those terms looked like. Upvotes push the most useful replies to the top. Mark the case as solved when you have your answer, so the next adviser can find it.
Replies can link to insurer adviser sites and underwriting guides, so you can check the detail.
Common questions
Can I share my client's medical history?
Only in general terms that cannot identify the client. Give the condition, how well it is controlled, age and smoker status. Leave out names, dates and places.
Do insurers see my case?
No. Cases are only seen by verified advisers, trainees and admin staff on CaseHelp.
Can I ask about pre-sale underwriting?
Yes. Many advisers use CaseHelp to find out which insurer to approach first, before they make a full application.
Is CaseHelp free for protection advisers?
Yes. It is free for all FCA-registered advisers and their firms' staff.
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