Medical evidence

Where a life insurance company wants more information on a medical disclosure they will often write to your GP for further information.  To speed the process up return the completed access to medical records consent form as soon as possible and notify your GP that the report is on its way to them.

GP reports

These can range from a full report on health to a targeted questionnaire about a specific medical condition

Medical underwriting limits

These differ from insurer to insurer.  In general when a customer exceeds a specific level of cover an insurer will have auto-evidence requirements.  These can range from a GP report, a screening with a nurse or a full medical examination with a doctor.  The cost of this is generally borne by the insurer

Financial underwriting limits

These differ from insurer to insurer.  In general when a customer exceeds a specific level of cover an insurer will have auto-evidence requirements.  This is generally in the form of a financial questionnaire.

 

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