What does fully underwritten mean?

NobleOak provides fully underwritten insurance cover. This means that we ask a number of health, occupation and lifestyle questions upfront and sometimes require medical tests and details of your medical records, to allow us to properly assess the risks we’re taking to insure you, and to make sure that your cover is tailored to your needs.

This process does take longer than obtaining cover that is not underwritten, but it means you have greater certainty when it comes time to make a claim.  As long as your disclosures are accurate and complete when you apply, you can rest assured that any future claim will be paid in accordance with the relevant Product Disclosure Statement.