What does the phrase 'subject to underwriting' mean on an insurance quotation?

What does the phrase subject to underwriting mean on an insurance quotation?

When we provide an insurance quote, it's a projection, dependent upon the final underwriting process completing successfully.

  • When we start the process we try to provide a quote projection based upon the information you have supplied to date on a worst case scenario.
  • After we get the opportunity to review your medical situation in detail, we then work back to a best case scenario that is usually cheaper too.

A pre-assessment involves two steps

  • Quoting is the first step 
  • Underwriting is the final step in the assessment and includes a careful review of any medical reports.

After the formal underwriting process is completed, you might receive a revised quote depending upon your medical history.

It might take longer than expected, but the process delivers a fully underwritten policy that provides peace of mind that all assessments decisions have been completed and you know exactly where you stand.


FAQ Message requested

Didn't find the answer you were looking for? Send us a note and ask your question!


To whom do we have the pleasure of chatting with?
Invalid Input
What, you're not human?
Invalid Input



Take Our Anonymous Online Pre‑assessment

Find out in 60 seconds if your personal situation is one we can work with.

Take Our Pre-assessment

Take Our Anonymous Pre-assessment

Whatever your situation, we can help you

  • Single

    Age is no indicator of relationship status or financial responsibility.

    • You can be young and starting out or older and established; and both enjoying living the single life.
    • You might be single, single again, sometimes single, single with kids, single with pets or perhaps something a little more complicated.

    When it comes to being single in the LGBTI community, there's really no such thing as average.

    And it's your single life, so live it your way.

    Read more...
  • Partnered

    Sharing life and love with someone can be twice as exciting.

    • You might be partnered, partnered with pets, officially de facto, officially married (yay!), splitting expenses but sharing life, or joining incomes and combining financial lives too.
    • You might be together but living apart, working towards a future with kids, thinking about fostering, adopting, IVF or surrogacy; or perhaps something a little more complicated.

    When it comes to being partnered in the LGBTI community, there's really no such thing as average.

    There's no right or wrong way to live a purposeful life, just what works for you both.

    Read more...
  • Parenting

    For today's LBGTI families, there are no accidental families.

    • You might be parenting and single with kids, parenting and partnered with kids, (yours, theirs and ours), dual parents with kids, co-parents, foster parents, adoptive parents, or even adoptive parents of kids with additional needs (just beautiful!).
    • You might be a lesbian co-parenting couple or super involved Guncles or Aunties. You might not even identify with the broader LGBTI community but find yourself a parent in a same-sex relationship; or perhaps something a little more complicated.

    When it comes to parenting in the LGBTI community, there's really no such thing as average.

    However you're doing it, Love makes a family.

    Read more...