Only if you have applied for an especially high sum to be
insured, or if you have existing health issues which cannot be resolved
by a report from your GP, can you can expect the insurance company to
request a medical.
It all comes down to your own medical history. The information
you supplied on your Application Form may well provide adequate information
for a decision to be made. However, the Insurance Company may judge that
it needs more details to make a proper judgment about the risk involved
in providing you with insurance. In that case, there are a number of possibilities.
The Insurance Company might want to contact your GP and
ask for further information. If they want to do this, they will ask your
permission first. This is actually a more common route than asking you
to attend a medical specifically for the purposes of the Insurance Company.
Alternatively the Insurance Company might send a medical
representative to visit you at home, to ask some questions and make an
assessment of your health.
Or, it is possible that the Insurance Company will ask you
to go to your GP or consultant for a medical.
Whichever of these routes is followed, the Insurance Company
will always pick up the entire cost of obtaining the required medical
information.
As you are probably aware, if more medical information is
required it will inevitably slow down your application for Life Insurance.
If you need cover quickly in order to arrange a mortgage for example,
there are ways of speeding up the process. It is important that you contact
Brokers Online on 01625 416 280 and explain the situation so that they
can take action on your behalf.
Remember that it is vitally import that you tell the truth
when completing your application form. If you don’t disclose something,
or you do not tell the whole truth, any claim on the policy will be invalidated.