UK-based Liverpool Victoria (LV=) has made new changes to its underwriting rules in a bid to increase the number of applications receiving with an immediate online decision.

The changes follow after review of data from previous applications where the medical conditions disclosed required further evidence. With the new changes, the process is now more streamlined for applicants with similar conditions.

The new changes include a reduction in medical evidence requests for applicants with hypertension and raised cholesterol and a reduction in the number of exclusions applied for people with muscular back pain or strain.

Additional changes have also been made so that the advisers get quick decisions on applicants who have previously suffered benign lumps or cysts, kidney disorders, gynaecological conditions, and ear disorders.

The new underwriting rules will benefit the products that include life cover, critical illness and income protection applied through LV=’s Flexible Protection Plan.

LV= head of Protection Mark Jones said that the latest changes to underwriting rules will result in new business being written faster while offering standard rates to more customers.