Underwriting and medical disclosures
Health, smoking, loadings and what your insurer needs to know.
- I've been diagnosed with an illness after taking cover: is my policy still valid?
- I've stopped smoking: can my premium be reduced?
- Why is my premium higher than the quote, or higher because of my health?
- I may have made a mistake on my application: should I still claim?
- My health has changed since I bought my policy: does it matter if I cancel?
- Where can I get support after a serious diagnosis?
- I've started smoking since taking my policy: do I need to tell my insurer?
- I've gained or lost weight: does my insurer need to know?
- What is underwriting in protection insurance?
- Do I have to have a medical to get life insurance?
- What happens if I don't tell the insurer something on my application?
- Does family medical history affect my life insurance?
- Why has my application been postponed?