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How Sphere Assured’s Medical Due Diligence Process Improves Underwriting Outcomes

Medical underwriting can often be one of the biggest obstacles when arranging protection. For many, concerns around privacy, medical disclosures, and the possibility of unfavourable underwriting decisions can make the process feel uncertain and intrusive.

At Sphere Assured, we have developed a more strategic and discreet approach through our anonymised medical due diligence process. Rather than immediately submitting a formal application to insurers, we assess medical information anonymously beforehand. This allows us to identify potential underwriting issues early and better position our clients to receive favourable terms.

The Benefits of Medical Due Diligence

Traditional underwriting often begins after a formal application has already been submitted. In many cases, this can lead to delays and repeated requests for medical evidence. In some situations, it can also lead to the rejection of terms.

However, we take a different approach. By carrying out detailed medical due diligence upfront, we can assess the likely underwriting outcome before making a formal disclosure to insurers. This gives our clients far greater clarity and control throughout the process. This approach is particularly valuable for clients with complex medical backgrounds, high-value cover requirements, or sensitive commercial circumstances.

How Our Process Works

Our process begins with a detailed consultation where we take the time to understand the client’s personal circumstances, business objectives, and protection requirements. We then gather the relevant medical and financial information upfront, including GP records, specialist reports, and lifestyle details where appropriate.

Furthermore, we can also arrange private medical assessments through specialist healthcare providers, allowing us to proactively manage the underwriting process.

Once the relevant information has been collected, we create a detailed anonymised medical profile. This profile is then presented to selected underwriters, allowing us to obtain indicative feedback before any formal application is submitted.

You can find more information on our medical due diligence process here.

What Makes Sphere Assured Different

Different insurers assess medical risk differently. Our experience in business & private protection alongside medical underwriting allows us to approach the market with informed key insights. By carrying out due diligence before formal applications are submitted, we are often able to reduce unnecessary rejections. Furthermore, it can help avoid delays, and improve overall insurance acceptance rates.

Your Privacy at the Forefront

At Sphere, we place a strong emphasis on discretion and confidentiality throughout the process. For many of our clients, privacy is just as important as securing the right cover.

Our anonymised underwriting process allows clients to explore their options without immediately exposing sensitive medical information to multiple insurers. This provides reassurance throughout every stage of the journey.

A More Strategic Approach to Underwriting

We believe medical underwriting should not be a reactive process filled with uncertainty. Our anonymised medical due diligence approach is designed to create clarity from the outset by gathering medical evidence early, strategically approaching the market, and proactively managing negotiations.

The result is a more efficient, discreet, and informed process that helps improve underwriting outcomes while protecting client confidentiality at every stage.

Whether arranging protection for a business owner, supporting a complex M&A transaction, or securing cover for a high-net-worth individual, our team works closely with our clients to ensure the right structure is in place.

Start Your Protection Journey with Confidence

Whether you are a business owner protecting key individuals, planning for succession, or a private client seeking a more discreet and strategic underwriting experience, Sphere Assured provides tailored protection solutions designed around your individual circumstances.

We work closely with SMEs, high-net-worth individuals, and clients involved in M&A and succession planning to deliver bespoke protection strategies that support long-term security and continuity.

Speak to an adviser today to discuss how our medical due diligence and protection solutions can help support your business or individual protection needs.