scootz
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| posted on 8/1/10 at 03:54 AM |
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Life Insurance...
Anyone else up... ??? Can't sleep - have lightning rods shooting from my butt to my big toes!
Doing what I do best when I can't sleep... worrying about anything and everything! This morning it's life insurance.
I have had a policy in place for the last 5 years, but having seen recent media reports of the amount of failed claims due to seemingly insignificant
information being missed out on the application... well, it's got me worried! Terrified actually as the thought of Mrs Scootz having to do
without is my worst nightmare!
I have always filled out forms as honestly as I can, but I have no doubt that I will have innocently missed out things! Tests, dates, short-term
illnesses - that sort of thing
I guess I'm probably paying £30 a month for no reason, so I suppose I really should cancel and start another where I'm comfy in the
knowledge that I've told them EVERYTHING from periods of athletes foot to every pathetic sniffle!
I guess the question is... how do I arm myself with all the facts I will need cos there is no way I can remember the half of it!
Also, are there any insurance co's out there who will assess your medical records themselves and then proceed on that basis?
As always, thanks muchly!
It's Evolution Baby!
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eznfrank
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| posted on 8/1/10 at 08:49 AM |
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If you speak to your doctor they should be able to release your medical records to yourself no problems (may charge an admin fee) and thnen you can
either summarise or copy and send to the insurer.
Mind you, how usable they will be I'm not sure. I used to review medical records when I dealt with dodgy personal injury claims and doctors
handwriting is generally shocking, it's not just a myth!!
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Rek
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| posted on 8/1/10 at 09:19 AM |
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Ive been wondering if it's possible to get a quote like you would with car insurance where you can get a quote on summat you dont have in order
to find the cost. but by using false details, so the insurance database (im guessing there is one) doesnt get updated with a flag.
Male side of my friends family has a heredetary problem which his dad and brother both have. but this has just become apparent, so all insurance
becomes null? we were chatting yesterday about trying this to get some idea of the new insurance costs for peace of mind...
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jollygreengiant
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| posted on 8/1/10 at 09:59 AM |
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Most insurance companies seem to work on the basis of, if its a pre-existing condition and you die from it then you are not insured, no matter how
much you have paid them.
Make me think, why do we bother, we are alive and that condition is always fatal. I'm supprised that the insurance people haven't used
that as an argument for not paying out.
Beware of the Goldfish in the tulip mines. The ONLY defence against them is smoking peanut butter sandwiches.
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JoelP
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| posted on 8/1/10 at 10:11 AM |
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quote:
Originally posted by jollygreengiant
Most insurance companies seem to work on the basis of, if its a pre-existing condition and you die from it then you are not insured, no matter how
much you have paid them.
I believe its worse than that according to the recent reports. If you miss anything off, they wont pay out even if its obviously nothing to do with
your cause of death.
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02GF74
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| posted on 8/1/10 at 11:35 AM |
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the only sure way is to purchase a canoe and build a secret compartment in your house.
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scootz
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| posted on 8/1/10 at 03:01 PM |
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It's just when you hear of poor sods who die in a car smash, but their life insurance doesn't pay out because when they review your
medical notes, they find that you forgot to tell them about a sore pinkie you had when you were 4 years old!
It's Evolution Baby!
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