I just wondered how different firms deal with life cover and protection applications? We have noticed an increase in the number of providers who only accept online submissions which is causing an issue as when a question is answered, a new set of questions come up which we do not have the answer to.
I believe they want the adviser to sit with the client and go through the online application together. Even when we use the correct data capture forms, sometimes they do not follow the same journey as the online application and some questions are not included.
We do not do a lot of protection but I would be interested to hear how others process this type of business?