Simplified life cover for 4 in 5

The quote and apply tool offers level and decreasing term cover and customers can be accepted on both standard and non-standard terms.

Simplified Life provides the ability to print quotations and summary applications as well as providing a paper application form for use outside advisers’ offices.

Richard Verdin, director of protection marketing for Aviva, said: “There is something of a myth amongst advisers that Simplified Life is only suitable for clean lives but as our statistics show, many people are accepted on non-standard terms too.

“We also know from our research that 61% of families have no form of financial protection, so this is a fantastic way for people to put that all-important cover in place.

“Our sophisticated underwriting system enables four out of five people to be covered in a matter of minutes, without the need for further checks and medical reports.”

Customers who don’t get an immediate online decision will normally be referred to Aviva’s manual underwriting system and will still benefit from the insurer’s protection promise which offers double the sum assured (up to maximum of £1million) until a decision is made.

In 50% of cases the customer will still get a decision within 24 hours.