Life Insurance - Question wording

Weighty1

tasticz said:

Weighty1 said:

coachman12 said:

MUST disclose ( adding all the relevant details and history and condition on separate attachment) and see if they go ahead after consulting your Mum's GP or consultant or ask her to wait till final result of the whole consultation procedure. tasticz,you may be surprised----different companies do different things but ALL of them want the FULL story and to look into themselves with your Mum's doctors as they see  fit. Hope Mum gets the all-clear, stays well and that all works out on the insurance front. Cheers.

This is totally NOT true.  You are obliged to only answer the questions as they are presented.  If a company doesn't ask about something then you don't need to disclose it.  The day of "uberrima fides" governing what does and does not need disclosing at long gone.  It is now the requirement o the insurance company to ask clear and non-ambiguous questions.  A lay person applying to an insurance company is not expected to know what should or shouldn't be disclose.  They are only expected to answer the questions honestly as presented to them.

so whats the verdict in regards to above q

My interpretation is that she is waiting to see a specialist.  The questions doesn't ask if you're waiting to see one for tests or investigations and your mum is, even if that appt is likely to result in her being discharged. 

Old_Lifer

I would agree with   Weighty1.     Although she  has been told that she will be discharged 'if symptoms improve'   she has  not  as yet been discharged  and she is  currently waiting to see a specialist.    However, putting  that on a proposal  will normally  result in  a decision on  acceptance being  deferred,   so it is very important  that you add  an explanation,   in the hope that a decision will then not be delayed.

tasticz

Unfortunately, legal and general doesn't allow it any text explanation. I guess we will just wait for now.