Life Assurance - at what levels do insurers ask for medicals etc. ?

OshayAway

property.advert wrote: »

Thank you for your concern but no, I do not need advice. The great principal of life assurance is that it reflects a point in time, not a second prior nor a second later.

That's true of issues relating to the life assured's health, family medical history and smoker status. It's not the case with disclosures relating to residency, foreign travel, hazardous pursuits / pastimes and (in some cases) occupation, if these were known to likely change post application.

You've not made the details clear from your posts but if this is relevant in your case, it can be a cause for decline due to non disclosure as the questions are clearly worded.

It's all very well wanting to save money on a policy, who wouldn't?! However, it's worth considering that the most expensive policy is the one that doesn't pay out.

You pay your money and take your chance. Without advice, in a case like this, it sounds like a potentially big chance. Ignorance won't be considered as a valid excuse if it transpires that your policy is invalid. On the other hand an adviser would be responsible for the policy recommended taking into account the individual's specific circumstances.

You've already had valuable warnings (without cost!) on here from individuals who know the industry. It's up to you if you want to ignore them.

funguy

How is it possible for the insurer to check your family medical history if you do not declare anything on the form and your doctor knows nothing about your family history either?

Nicko67

In theory, it's not possible

.... but I still wouldn't take the risk if I were you;)

RX-78

I would be very careful about family history or what you doctor may/may not know. For example, your parents when you were young could have told your doctor your grand father was diagnosed with diabetes. Most GPs wont put it under heading of "family history" and may not even bother writing it down, but some may do. Remember the doctor's notes are their aid memoir and they may write what they feel is appropriate.

Personally if you are concerned about whats in the note, I would apply to have access via solicitor. (No you cant just go over to your GP and ask to look at it. The documents are not your property. Its considered a legal document propery of the doctor/surgery)