Why Your Business Can’t Wait for Underwriters

min read

When business protection can’t wait, we don’t either.

A few months ago, a GP went above and beyond. We asked for a medical report urgently, and they turned it around the same day. It was a small miracle. But what happened next was all too familiar.

The insurer sat on it for three weeks.

No contact. No progress. Just silence.

That kind of delay is frustrating in any case but when you’re arranging business protection for a large sum assured, it’s dangerous.

In high-value or medically complex cases, insurers routinely request the GP report as part of their underwriting. According to BMA guidelines, those reports should be returned within 28 days. But in reality, they often take 6–8 weeks. We’ve even seen one take 12.

And if, after all that waiting, the insurer declines or offers poor terms, you’re forced to start again. Another insurer. Another application. Another GP report. Another two to three months of delay.

For a business that’s exposed to financial risk, that simply isn’t good enough.

What We Do Differently

At Continuity Point, we take control from the outset. We obtain our own GP reports independent of any insurer.

These reports belong to us. That means:

We get them faster, because we know how to speak to surgeries and navigate the system.
We present them properly, so underwriters see what they need to see without omissions.
We can switch insurers instantly if terms aren’t acceptable without resetting the clock.

In effect, it lets us back every insurer horse at once. If one stumbles, we’re already in position to jump on another. No delay. No duplication. No derailment.

We Don’t Just Submit Applications. We Engineer Outcomes.

Most advisers send off an application and wait. They leave the underwriting and the delays to the insurer.

We don’t.

We pre-underwrite every case ourselves, engage with underwriters early, and manage the process so there are no surprises when the medicals land on an insurer’s desk.

It’s not glamorous work. But it’s the work that gets the right terms, avoids unnecessary delays, and protects your business when the stakes are high.

We’ve seen what happens when no one takes control. Continuity Point exists to make sure someone does.

Continuity doesn’t happen by chance. We design it that way.

TL;DR: Delays in business protection can put your company at serious financial risk, especially when large sums or complex medical histories are involved. At Continuity Point, we don’t leave things to chance or wait around for insurers to act. We take control from the start. Instead of relying on insurers to request medical reports, we obtain them ourselves faster, more efficiently, and with the right framing for underwriters. That means we can switch insurers without starting from scratch, saving valuable time and avoiding unnecessary delays. While most advisers simply submit applications and wait, we actively manage every step by pre-underwriting cases, speaking directly with underwriters, and ensuring nothing gets missed. The result? Better terms, faster decisions, and real protection when your business needs it most. Continuity doesn’t just happen. We design it that way.

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