I am adopted- life insurance?

Mojisola

You could get your birth father's death certificate and see what's given as cause of death. That might shed some light on the risks.

vaio

starrystarry wrote: »

If you know that your birth father was diagnosed with cancer then you have to disclose it. There's no moral dilemma. If you don't disclose it you risk the policy being voided.

It does sound odd though that your quote is 10 times more than it would have been if you'd not disclosed it. What type of cancer did your birth father have?

What about the points made earlier....

vaio wrote: »

I'm pretty sure you have no legal right to know your birth parents medical history and the insurers have no way of confirming what you say so I'd be careful of giving any details which might be incomplete, gossip & rumour or just plain wrong.

I'd just explain that you are adopted etc to the insurer, it must be something they encounter on a reasonably regular basis and I'd be surprised if they didn't have procedures for dealing with it

with the current risk adverse, formulaic, computer driven insurance world the OP giving "half a story" is going to result in high premiums/no cover.

She needs to either go with "I'm adopted so no birth parent information available" or, if she can, get full medical records for her birth parents and make a normal application based on them

starrystarry

vaio wrote: »

What about the points made earlier....



with the current risk adverse, formulaic, computer driven insurance world the OP giving "half a story" is going to result in high premiums/no cover.

She needs to either go with "I'm adopted so no birth parent information available" or, if she can, get full medical records for her birth parents and make a normal application based on them

It's not half a story though, if she knows her father was diagnosed with X type of cancer at approx age Y, then that's the full story. That's all the info an insurer would expect an applicant to disclose. The underwriters wouldn't expect the full medical records for her birth parents, they'd only need to know what they were diagnosed with and at roughly what age.

vaio

maybe, but without access to the medical records to back up what she's saying it's still just half a story. Where did the information come from? Is it true? Is it complete? Is it provable?

Way way to many ? for an insurance company to deal with

jackyann

Well, I wonder how you "know" your birth father died of cancer (sorry, I know this is sensitive) but a fair amount of birth family stories are hearsay. That doesn't mean people were lying, they were just saying things as they understood them.
If you have very clear, medically certified information that your birth father had cancer, then starry is correct. If however, the information came from other family members to the social workers or adoption agency, then I think that you can legitimately say that you have no clear information.
It is quite normal to say "no information"

Mojisola

jackyann wrote: »

It is quite normal to say "no information"

Could rhubaan do that now that the information has been given to one insurance company? Do companies share information like this with other companies?

starrystarry

vaio wrote: »

maybe, but without access to the medical records to back up what she's saying it's still just half a story. Where did the information come from? Is it true? Is it complete? Is it provable?

Way way to many ? for an insurance company to deal with

There are always question marks about family history, that's inevitable. Even if you're very close to your parents/siblings you could never be 100% certain of the facts. That's why you are asked to answer the questions to the best of your knowledge. To the best of the OPs knowledge, her birth father died of cancer. That's what needs to be disclosed and that's what the underwriter will base his/her decision on. Family history info often can't be verified, so the decision is usually based on what the applicant tells us.

agrinnall

Perhaps the question that we should be asking the OP is whether life insurance is needed at all. Are you buying the flat with someone else, who would need a payout to cover the balance of the mortgage if you die? Or are you buying it on your own, in which case does it really matter to you if the flat has to be sold to repay the mortgage should you die?

If the issue is that the mortgage provider is insisting on life cover I have seen examples on here where the cover was taken out then cancelled once the mortgage was in place - whether this causes any legal or moral problems I don't know as I've never had to do it (or indeed take out any life insurance at all).

dunstonh

How is this life assurance being bought? It cant be through an IFA as this wouldnt be an issue. it must either be direct to provider or using an inexperienced sales rep and not an adviser.

missprice

rhubaan wrote: »

Hi thanks for responses_ Today went in with the limited knowledge I have to talk to repand will pay the price- average£28 per month for only 66K cover. .

thats really bl00dy expensive
I am not adopted but know nothing about my birth parents for more than 20 years I have had no contact and my life ins for me in my 40s to cover 55k is £5.19 per month
and yes the ins company know this and never asked about their health