ClearView appoints underwriting lead to spearhead new changes

Yasmine Raso

Senior Journalist, Financial Newswire

30 June 2025

ASX-listed life insurer, ClearView, has appointed Peter Tilocca as its new Head of Underwriting at the same time as introducing several changes to its underwriting requirements and definitions.

With his appointment effective from 30 June, Tilocca brings over 20 years of extensive experience in underwriting in Australia, having led underwriting, operations and claims teams at Zurich, Noble Oak, One Path Life and RGA Australia.

Tilocca will be responsible for enhancing ClearView’s underwriting capability and for establishing new and nurturing existing relationships on behalf of the insurer.

ClearView also confirmed in a statement that it has reviewed and updated its mandatory medical underwriting framework across its entire offering to provide “greater clarity and consistency” for advisers and customers when applying for life insurance cover. The changes, which came into effect from May this year, included:

• Improved accessibility: Clients applying for cover under certain thresholds—up to $2 million for Life and TPD in some age groups—
  will benefit from reduced or no mandatory medical requirements, streamlining the application process.
• Structured tiering system: The updated requirement tables for Life, TPD, Trauma, Income Protection and Business Expenses are now grouped into clear tiers, based on age and benefit amount. This approach makes it easier for advisers to identify the necessary medical evidence and manage client expectations.
• Trauma cover – alignment with national health programs: For higher levels of trauma cover, ClearView now incorporates alignment with the National Bowel Cancer Screening Program for applicants aged 50 and over, further reinforcing the link between  underwriting and broader health outcomes

The life insurer also made several changes to its trauma definitions and benefits accessible via its ClearChoice and LifeSolutions range. Also effective from 5 June, ClearView’s statement said the “enhancements aim to improve the clarity and fairness of trauma definitions while ensuring they remain aligned with contemporary medical practice”.

The updates included:

• Cancer – excluding specified early-stage cancers: The exclusion for colorectal neuroendocrine carcinomas has been removed from the cancer definition under ClearChoice policies.
• Coronary artery angioplasty, triple vessel – surgical procedure: The requirement for procedures to be performed on three specific named arteries has been broadened to include any three or more coronary arteries – improving applicability for a wider range of clinically equivalent procedures.
• Major head trauma – significant permanent impairment: A new assessment pathway has been introduced, allowing claims to be assessed using a Whole Person Impairment (WPI) measure of at least 25% as an alternative to the ‘Activities of Daily Living’ criteria.