Cigna has updated the occupation classes it uses in its online quote tool.
The change, says the firm, is to make it easier for advisers to select the most accurate occupation when formulating quotes for clients.
“It will also enable our eApp to generate more specific questions related to any unique risks of the customer’s occupation – such as working at heights, or with explosives – creating a smoother underwriting process,” states the firm.
The change means a new field has been created in its quote tool so advisers can indicate whether the customer’s occupation is E (eligible), U (uninsurable), or IC (requires individual consideration for disability benefits).
For example, an accountant will be E, a tree feller U, and a journalist is IC.
“While this update doesn’t change the quoting and application process, it should give you more certainty as to whether the customer is likely to be successful in applying for disability benefits,” says the firm in a statement to advisers.
“You can still quote all occupations. However, if the job title is IC or U your application will be referred to an underwriter for further assessment.”
The firm’s Chief Operating Officer Debbie Eyre says the update is part of a raft of changes to be announced by the firm.
She will provide more details during a Cigna Live event to be held on 28 April.
You can register for the event here.