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I cantell you that if you do not sign the authority to release the medical records,you will not get the life-insurance.
I was20 years in life-insurance before I joined the legal profession and therefore Ican speak with some authority on this.
Why doyou particularly not want to release the medical records?
I amoff-line shortly until later will pick this up at some stage late this evening.I am online all day tomorrow.
Its not that I do not want to release my medical history, I just wanted to make sure I was doing the right thing. My broker know that I had cancer, but it was requested by the insurers. I have no history of heart disease, diabetese, non smoker, slightly over weight, no family history of breast cancer/heart disease. Had a period off work with work related anxiety/stress for which I accessed some counselling. Now fine and works part time, though semi retired.
they also advised tha they will carry out a credit check. Not sure why they need to do all this? the insurance is to last 15yrs with no repayment should I die after 80yrs.
Is it also wise to take out a 2nd insurance policy with the same company?
Thank you. The question you have been asked is not at all uncommonand as I said earlier, if you do not agree to release the medical records, youwill not get the insurance.
There is nothing sinister in the request and it is quite normal.Indeed, it is quite positive because it means that they have not rejected yourapplication out of hand.
It doesn't matter that the insurance broker knows anything, theinsurance company will want their own medical expert to examine your records.
There is no reason not to take the policy out with the sameinsurance company because of the company went bust for any reason, and therewas a claim, then the policyholder protection act ensures that the otherinsurance companies pay out 90% the life insurance element. It does not applyto general or car insurance, only life insurance.
By all means, shop around for the best premium but you mayactually be faced with taking it from where you can get it.
Doesthat answer the question? Can I help further? Can I answer any specific points?
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I amoff-line shortly but will pick this up later because I am on and off-line eachday and weekend so please bear with me.
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