Aviva is testing out a system which allows advisers to sell customers 'top-up' protection after asking them just a single question.
In a 'test and learn' with three distributors, which includes London and Country (L&C), advisers can top-up individuals' cover with a single extra question, once the customer has given a full history for the initial policy.
L&C customers will have one year from the date of arranging their original mortgage -linked cover to take out extra term assured and mortgage life insurance (with critical illness ) products via the one-question system, though according to Aviva it may up this window to 24 months for long-term roll out.
To qualify, the customer's medical circumstances can not have changed during the window-period, the additional cover must be for the same life assured and same term as under the original plan and the original policy must have been established on standard terms.




