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OLP CONNECT CONFIDENTIAL GUIDE TO …

OLP CONNECTGUIDE TO INTERACTIVE UNDERWRITING IN OLP CONNECT . CONFIDENTIALThis GUIDE is designed to give you an overview of the information we will ask for when you apply to Legal & General via the Interactive Underwriting route in OLP CONNECT (our online application system). This will help you to prepare in advance for your appointment with your financial adviser when you complete the application. Page 2 With (financial adviser name)*By telephone on (number):*In person at (address)APPOINTMENT REMINDEROn (date) *Delete as (time)Applying to Legal & GeneralYour financial adviser will submit your application to Legal & General on your behalf via our online Interactive Underwriting system. Your adviser will log into OLP CONNECT , read to you the questions that it generates and will input your answers directly into the system.

Page 5 • diabetes • a heart condition • a stroke, brain haemorrhage or surgery to your blood vessels • a mental illness including anorexia or bulimia

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Transcription of OLP CONNECT CONFIDENTIAL GUIDE TO …

1 OLP CONNECTGUIDE TO INTERACTIVE UNDERWRITING IN OLP CONNECT . CONFIDENTIALThis GUIDE is designed to give you an overview of the information we will ask for when you apply to Legal & General via the Interactive Underwriting route in OLP CONNECT (our online application system). This will help you to prepare in advance for your appointment with your financial adviser when you complete the application. Page 2 With (financial adviser name)*By telephone on (number):*In person at (address)APPOINTMENT REMINDEROn (date) *Delete as (time)Applying to Legal & GeneralYour financial adviser will submit your application to Legal & General on your behalf via our online Interactive Underwriting system. Your adviser will log into OLP CONNECT , read to you the questions that it generates and will input your answers directly into the system.

2 This means you ll need to be available for a live conversation with your financial adviser at this stage in the application process, either in person or on the telephone. You should make necessary arrangements with your financial adviser for you are applying with someone else, you will each need to answer your own questions you can t answer on somebody else s may wish to use the A ppointment Reminder b elow. The following pages will give you an indication of the high-level questions that we will ask you in your application. Please note that the exact questions we will ask may vary depending on which product(s) you are applying for, and other factors including your age, build, smoker status and gender.

3 (We only use your gender for purposes that comply with requirements under the Equality Act.)The green boxes show the additional information we may ask for if you were to answer Yes to certain high-level questions. These are examples for guidance only, and are not intended to be complete lists. The actual questions we ask may differ from what is shown in this document. To help you complete the application you will need: Information relating to existing or previous life insurance. Your doc tor s prac tic e name and addre s s (inc luding their pos tc ode). Your bank ac c ount de t ails . Page 3 BASIC DETAILSCUSTOMER CONTACT DETAILSWORK, TOTAL COVER AND TRAVEL Full name Gender Date of Birth Smoker status and usage (regularly; occasionally; none at all) Employment status full time, less than 16 hours per week, unemployed etc.

4 Main occupation and industry Contact address Home address (if different from above) Contact details (phone numbers and email address) Best time to contact you Business mileage (Income Protection Benefit applications only) Hazardous work duties underground, with explosives, etc. Details of any existing policies and your total amount of cover Past and future foreign travelIf you answer Yes to any part of this question, when your financial adviser enters your answers online, you will be asked additional financial questions. The exact questions we ask depend on the answers you give, but we are likely to ask you to give us more information about one or more of the following: To t a l : i.

5 E . H o w m u ch f a m i l y / m o r t g a g e c o v e r y o u a r e g o i n g t o h a v e i n t o t a l ; Purpose: If the cover you re applying for is for Inheritance Tax purposes; Income: Your/your household s annual income; Assets: The value of your assets; Liabilities: The total of outstanding loans etc.; Financial crime: whether you have any investigations pending or convictions for financial this application, will the total amount of cover on your life for family and mortgage purposes:exceed 1,500,000 life coveror 750,000 Critical Illness Cover?Please ignore cover that will be cancelled and applications that are for comparison purposes you answer Yes to this question, when your financial adviser enters your answers online, you will be asked additional questions about your past travel.

6 The exact questions we ask depend on the answers you give, but we are likely to ask you to give us more information about one or more of the following:If you answer Yes to this question, when your financial adviser enters your answers online, you will be asked additional questions about your future travel. The exact questions we ask depend on the answers you give, but we are likely to ask you to give us more information about one or more of the following: Where: which country or countries you travelled to; Lone travel: whether you travelled alone or with your spouse/partner; Why: whether you were there for a holiday, living abroad, for work etc.; How long for: total time you spent there; UK residency status: whether you are ordinarily resident in the UK.

7 Permanent: whether you plan to leave the UK permanently; Temporary: how long you are going to be overseas; When: when your overseas travel is planned for; Where: which country/countries you ll be going to; inside or outside the EU, Australasia, North America, Canada; Work: what work you might be planning to do overseas; War zones: Whether you will be travelling to areas of war or armed conflict etc. During the last 5 years have you spent more than 90 consecutive days in Africa, the Caribbean, Russia, Thailand or Ukraine?The Caribbean includes Antigua, Bahamas, Barbados, Bermuda, Cuba, Dominican Republic, Grenada, Haiti, Jamaica, Trinidad and Tobago and its other the next 2 years do you intend to spend more than 30 consecutive days outside the UK?

8 Please ignore travel as a member of the Armed this context, UK includes England, Scotland, Wales and Northern 4 If you answer that you do participate in any of the activities listed, when your financial adviser enters your answers online, you will be asked additional questions (for each activity disclosed). The exact questions we ask depend on the activity and the answers you give, but we are likely to ask you to give us more information about one or more of the following:HAZARDOUS ACTIVITIES Name of the sport/activity you participate in, if not already specified; Level: whether you participate as a professional or amateur; in a conventional form or extreme form of the activity; Organisation: whether you participate as a member of a recognised club etc.

9 Or independently; in a group or alone; Location: whether you participate in the UK, Europe, outside Europe etc.; Frequency: how often you take part and how much time you spend participating; Severity/difficulty: depth of dives, altitude of climbs, engine size used in motorised sport you regularly take part in any of the activities listed below, or do you intend to do so within the next six months?Caving or potholing Flying (other than as a fare paying passenger or cabin crew)Hang gliding or paraglidingMotor car sportMotorcycle sportMountaineering or rock climbingParachuting, skydiving or BASE jumpingUnderwater diving Powerboat racingSailing other than inlandAny Extreme SportDepending on your answer to this question, when your financial adviser enters your answers online, you will be asked additional questions about your alcohol consumption.

10 The exact questions we ask depend on the answers you give, but we are likely to ask you to give us more information about one or more of the following:LIFESTYLE Whether you have ever been medically advised to reduce your alcohol consumption/referred to an alcohol specialist; When you were given the advice to reduce your alcohol consumption; Your alcohol intake at the time; Whether you re currently receiving specialist help or attending an alcohol support group; Whether you re taking medicine to help you avoid drinking alcohol; Whether you suffered any liver damage; How long ago you last drank alcohol; Whether you have any investigations pending or prosecutions for alcohol-related questions we will ask about your health and medical history vary depending on the product(s) you are applying for ( Life Cover only, Life and Critical Illness Cover, Income Protection Benefit etc.)


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