Interactive quote & apply

Our online service is quick and simple to use with lots of practical, time-saving features that make quoting or applying* online easy.

This section will answer some of the questions you may have about our online service. Simply select on the left hand side whether your question relates to our Personal Protection Menu or Business Protection Menu.

If you'd like to go straight ahead and upgrade to interactive quote & apply, simply go to the home page, log in and click the 'upgrade to interactive quote and apply' button. If you're new to the site, go to the home page, click on 'Register' under 'Password login' and confirm that you’d like to register for interactive quote & apply.

After submitting your details online, we'll send you an email within 48 hours confirming that we've processed your registration. Any quotes you do before you receive this confirmation will be on our standard commission terms (140% of Lautro with a full earnings period). Once we send you confirmation of your registration, any future quotes will show your correct commission terms.

Telephone application service

We now offer a telephone interviewing service which gathers medical evidence directly from your clients as an alternative to requests for general practitioner reports.

Using the telephone application service is easy. Follow the steps below.

• Log on to online quote & apply
• Complete the quote
• Use our telephone application data capture form to capture the information you need to complete the questions you will be asked on screen
• Now retrieve your quote and select telephone application option and complete the screens
• Submit your telephone application

We’ve created a sales aid, 'Using the Bright Grey telephone application service is easy!' which shows you the benefits of the service and how to apply.

What happens next?

A nurse from Medicals Direct will contact your client on their preferred date and time. The interview won't take longer than 30 minutes.

Medicals Direct will immediately pass the information on to
Bright Grey who will issue a decision within 24 hours of receiving the information.

At the same time we'll send your client a copy of the answers they've given so that they can check the information collected is accurate and complete. We'll ask them to confirm this by signing and returning a confirmation form to us. They must do this within 60 days for the application to remain valid. If they make changes to the information they've already given us, this may affect the decision we've made.