Ellipse > Services > Online member underwriting

Traditional member underwriting takes days, weeks or months to complete. Using Ellipse's online service, it can be done in minutes.

Scheme members are generally covered up to their scheme's automatic acceptance limit without needing any underwriting. A few high-earning members in each scheme will normally have benefits above that limit which need assessing before they can be covered. Occasionally, there may also be other members we assess because, for example, they are joining outside the scheme's normal eligibility conditions. When collecting information about their health, medical history and pastimes, we do it through an online questionnaire which only the member sees. In the rare instances where we need the member to undergo any tests, we arrange them at a time and place that suits them.