Bright Grey improves its underwriting stance for Income Cover for Sickness.

We've made further improvements to our proposition, which is good news for advisers whose clients are looking for Income Cover for Sickness. This change is in addition to the changes we made in June, which included the introduction of HCML. They are a leading provider of rehabilitation case management, who seek to manage the recovery of Income Cover for Sickness claimants back to pre-injury or pre-illness health.

• We've improved our stance on driving, which will allow us to offer more clients own occupation Total Permanent Disability (TPD) and Income Cover for Sickness than previously where driving forms part of their occupation.
• We now offer different financial underwriting limits for employed and self-employed applicants. Our financial limits for employed clients are market leading and this change will help reduce the time to offer as we'll be requesting less financial evidence.
  
  View changes for Personal Protection.
  
  View changes for Business Protection.