Your Insurance Pre-Assessment Call
As part of your insurance application process, you will have a confidential conversation with our Registered Nurse.
This process allows us to collect your medical history upfront, along with details about your occupation, pastimes, social activities, and previous claim and insurance history, and send them to insurance providers for a pre-assessment.
By doing this, we can identify the most suitable insurance provider for you before a formal application is submitted, helping to reduce delays and minimise unexpected outcomes.
This guide outlines what to expect during the appointment and how to prepare.
Why Full Disclosure is Vital & Why Does This Matter?
Providing accurate and complete information during the pre-assessment stage is critical to ensuring a smooth insurance application process.
1) Ensures We Match You with the Right Insurer
Every insurance provider has different underwriting guidelines.
Some insurers may be more favourable for specific medical conditions, occupations, or lifestyle factors. If the information we submit is incorrect or incomplete, you may be matched with an insurer that isn’t the best fit, leading to:
Higher premiums
Unexpected exclusions
Additional medical requirements
Delays or even a declined application
2) Prevents Delays and Unexpected Terms
If key details are missing, insurers may request additional information during the formal application stage, delaying approval and potentially resulting in terms that were not anticipated.
For example, if a health condition, past claim, or high-risk activity was underreported during pre-assessment but later appears in records, the insurer may revise their terms or increase premiums unexpectedly.
3) Avoids Issues at Claim Time
If a claim is made in the future and the insurer discovers undisclosed information—whether medical, occupational, lifestyle, or past claims history—they may:
Deny the claim, leaving you and your family without financial protection.
Cancel the policy, citing non-disclosure.
Being fully transparent from the start ensures you get the right cover and peace of mind, knowing your policy will work when you need it most.
Meet, Grace Taylor
Registered Nurse
During your Insurance Pre-Assessment Call, you will be speaking with Grace Taylor.
Grace is a Registered Nurse with extensive experience in Emergency Nursing and Healthcare Management.
She specialises in medical assessments and patient care, assisting individuals in collecting and verifying medical history for insurance applications to ensure a thorough and efficient process.
If Grace is unavailable for your appointment, Dr. Scott Taylor will conduct your session, maintaining the same high standard of professionalism and confidentiality. Dr. Scott Taylor is an Emergency Physician with extensive experience in patient care, clinical supervision, and medical systems management. He has worked in major hospitals, including The Royal Melbourne Hospital and Bendigo Health, and has a strong background in healthcare management and clinical education.
Why This Call Is Important & What to Expect
This session is designed to collect relevant personal and medical information to assist with your personal financial protection needs.
The information you provide; including details about your medical history, personal background, occupation, pastimes, social activities, previous claims, and insurance history, will be submitted to multiple insurance providers for pre-assessment, allowing us to:
Identify potential exclusions, loadings, or special conditions before you formally apply.
Minimise delays and unexpected terms by ensuring we know in advance what different insurers are likely to offer.
Find the best insurer for your specific circumstances, avoiding rejections or unfavourable terms after applying.
This is a fact-based information collection process and does not involve medical advice or diagnosis.
The appointment typically lasts 20 to 40 minutes, depending on the complexity of your history and activities. We recommend allowing up to 45 minutes to ensure all necessary information is recorded accurately.
Privacy, Security & Confidentiality
Thriving Wealth is committed to maintaining the highest standards of privacy and data security.
All information collected during your appointment:
Will be submitted to insurance providers for pre-assessment only, and will not be used for a formal application without your approval.
Your name and identifying details will be redacted before submission to insurers. Instead, we will be issued with a pre-assessment number for reference purposes.
Will be treated as strictly confidential and used solely for the purpose of identifying the most suitable insurer for you.
Will not be stored on personal devices but managed securely within Thriving Wealth’s systems.
Will be communicated exclusively via preassess@thrivingwealth.com.au to ensure data security.
For more details on how we protect your information, please review our Privacy Policy
If you have any concerns regarding privacy, please contact us before your appointment.
What Happens Next?
Your personal and medical information will be sent to multiple insurance providers for an initial review, with your identifying details removed to maintain confidentiality.
1) Pre-Assessment Submission
The insurers will provide an indication of likely policy terms, including potential loadings, exclusions, or special conditions, before a formal application is submitted.
2) Insurer Feedback
3) Insurance Recommendations in Your Statement of Advice
We will review the outcomes, benefits, and pricing from the pre-assessment and compare them against your needs to determine the most suitable insurance solution. This will be outlined in your Statement of Advice, where we will explain why we have recommended specific insurers.
4) Formal Application (If Proceeding)
Once you review your Statement of Advice and approve the recommendation, we will proceed with the formal application with the insurer best suited to your situation.
Providing Information for the Formal Application:
Once you proceed with a formal application, you will need to disclose your medical, occupational, and lifestyle history directly to the insurer.
To assist with this, we will securely provide you with a copy of the information you have already shared with us. This makes it easier to complete the insurer’s formal disclosure requirements, ensuring consistency and accuracy.
Being transparent from the start helps us secure the best cover for you, avoid unnecessary complications, and give you confidence in your protection plan.
Frequently Asked Questions (FAQs):
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A pre-assessment allows us to submit your medical, occupational, and lifestyle information to insurance providers before a formal application is made. This helps identify which provider is likely to offer the best terms, reducing the risk of delays, unexpected exclusions, or declined applications
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No. The pre-assessment is not a formal application—it is an initial step to determine how insurers would assess your medical history, occupation, pastimes, and claims history. You can decide whether to proceed with an application after reviewing the pre-assessment results and Statement of Advice
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Yes, the insurers we submit your information to will review it. However, they will not receive any identifying details. Instead, each insurer will issue a pre-assessment number for reference.
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Each insurer has different processing times, but the typical timeframe is 5–10 business days. Your adviser will update you as soon as feedback is received.
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Yes. Insurers require you to formally disclose your medical, occupational, and lifestyle history at the application stage. However, Thriving Wealth will securely provide you with a copy of the information you have already shared with us, making the process easier and ensuring consistency.
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If you realise any details were missed or need to be updated, please contact preassess@thrivingwealth.com.au as soon as possible.
Contact Information
For any questions or further assistance before your scheduled appointment, please contact us via our email preassess@thrivingwealth.com.au or via the link below:
