Flagship review
Full Application Readiness Review
For financial advisers and individual applicants with a substantially completed life, disability, income-protection, or related policy application. The purpose is to find points that deserve correction or explanation before the application reaches underwriting.
What we compare
We read the application as one connected account. That means comparing stated occupation and income with the documents supplied, checking that health and lifestyle answers do not contradict later details, and tracing every conditional question to its answer.
The review includes:
- one completed application form of up to 45 pages;
- up to 12 supporting income or identity documents;
- an income-description and arithmetic sense-check;
- a disclosure consistency pass across health, travel, occupation, and lifestyle sections;
- a marked issue schedule ranked as correct, clarify, or discuss with the insurer;
- one 30-minute return call with the adviser or applicant.
We do not diagnose health conditions, decide materiality, predict underwriting terms, change an answer on your behalf, or advise whether cover is suitable. Final disclosure decisions remain with the applicant and insurer.
How the review runs
- Scope call. We confirm policy type, page count, target submission date, and who may receive the report.
- Secure handover. After engagement terms are accepted, we provide the approved document-transfer instructions. Sensitive records must not be sent through the website form.
- Line-by-line reading. A reviewer checks internal consistency and records each point against its page and question.
- Issue schedule. You receive a concise PDF with no edits hidden inside the original form.
- Return conversation. We explain why each item was marked; you decide what to amend or take back to the insurer.
Timing, preparation, and fee
Allow two to three working days after all agreed documents arrive. The standard review fee is R2,950 including VAT for the scope above. Longer forms, multiple applications, business-owned policies, or records requiring reconciliation are quoted first.
Before handover, complete as much of the form as possible, gather the records used to state income, and list any answer you already feel uncertain about. We accept work remotely across South Africa; calls are held by phone or video, with in-person meetings by arrangement at our Durban office.