The Exeter has added its Real Life product to iPipeline’s newly launched Advanced Underwriting platform, which is available exclusively through the SolutionBuilder quote and comparison system.

The move gives advisers earlier underwriting insight on applications involving more complex health profiles.

Real Life, introduced in 2018, is aimed at both standard applicants and those who may struggle to obtain traditional life insurance because of serious or multiple medical conditions. It can also be quoted alongside The Exeter’s income protection plan to support more comprehensive protection portfolios.

Advanced Underwriting was launched to advisers in September as part of SolutionBuilder. The feature captures upfront information on the 20 most common medical disclosures, which typically account for as much as 80% of medical loadings or changes in terms once an application is submitted.

By enabling indicative underwriting decisions earlier in the process, iPipeline aims to help advisers deliver faster and more accurate protection quotes.

The Exeter becomes one of three insurers currently supporting Advanced Underwriting, alongside Vitality and Zurich, with additional providers expected to join the platform soon.

Jack Southcott, head of protection proposition at The Exeter, said: “We’re pleased to have added Real Life to iPipeline’s Advanced Underwriting and see it as a big step forward in how we support advisers and their clients.

“This enhancement strengthens our collaboration with iPipeline as we continue to innovate together to drive better outcomes.”

Rachel Edwards, managing director UK at iPipeline, said: “We’re delighted to make Real Life available through Advanced Underwriting in what is a huge vote of confidence in this innovative, market changing feature.

“We’ve been blown away by the reaction from advisers who are seeing real tangible benefits – as they deliver more precise quotes and indicative terms, faster.”

Adviser feedback has been positive. Lizzie Cook, mortgage and protection adviser at Weycroft Financial Services, said: “The quotes you generate will give you a clearer idea of whether terms are likely to be standard or rated.

“And even if the result comes back as a referral, it means you can have an open and honest discussion with your client – helping you manage expectations and avoid unexpected pricing explanations later on.

“It’s right there on your screen and so simple to use.”