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Medical underwriting

Medical underwriting

The need

Insurance organisations may lack their own in-house underwriting staff or may need additional underwriting resources from time to time – when there is increased demand or to cover staff illness or maternity leave.

The service

MorganAsh provides underwriting solutions on a bespoke basis to suit an insurance company’s specific requirements. Our professional underwriters are highly skilled, with many years’ underwriting experience of all protection products. We can provide underwriters remotely (via secure online systems) or within your office; in either case, subject to stringent quality assurance procedures to ensure a high standard of service. Our underwriting administration team is available to perform all aspects of evidence collection – including issuing evidence requests, chasing outstanding reports, receiving and uploading evidence to either our secure underwriting system or to your own online system.


  • Skilled underwriters available on demand.
  • Total outsourced solution utilising all aspects of our underwriting department.
  • Independent auditing to ensure standards are maintained and risk exposure is reduced.
  • Short-term cover for temporary staff shortages such as holidays or sickness.
  • Ad hoc provision of underwriting support during periods of increased work or sales-target deadlines.


  • Reduce ongoing costs but maintain high availability.
  • Cover fluctuations in staffing levels easily and with confidence.
  • Flexible cover: our offices or yours.

Related services

Contact us

If you are interested in any of MorganAsh’s services, please get in touch. We’ll be happy to help.

Our clients say:

We used medical underwriting to improve the valuation of our liabilities. The outcome showed a reduction in liability due to mortality of some £5m compared to the scheme actuary’s assumptions for this £40m scheme. MorganAsh carried out this delicate work with sensitivity and efficiency and the weekly progress reporting was excellent too. The payback on the investment in this project is tremendous.

Howard Jones, director of Howie Group Limited and trustee of the Howie Group Limited staff retirement benefits plan.