Non disclosure of your medical history on a personal insurance application is a dangerous move.  Smokers pay more for life cover but should not try to hoodwink the insurance company by declaring they are a non smoker.  Likewise, someone who has had a heart attack should always disclose it.

In the event that you, or your loved ones, submit a claim on a policy one of the first things that the insurer will do is to check your  original application.  You don’t want to be identified as a non smoker dying of lung disease.

It is a proven fact that paper based applications for life insurance, critical illness and income protection applications are more likely to have non disclosure issues rather than the new way of telephone underwriting.  telephone is when the insurer contacts you by phone and verbally takes your answers to the questions.

If you want ”Tele Underwriting” then send us a yes in the comments and we will change the way we work.