Hi, I am a longtime viewer of this site but never had the need to post until now.
Recently I inquired with a Life Insurance company about the possibility of getting some life cover that will act as mortgage protection for a house that we hope to sign for in a couple of months time. The insurance company only deals over the phone or you can apply online (Laya).
I only spoke with them over the phone and gave my name, date of birth and phone number. On the call I mentioned that my weight was an issue and they said that they would call me back after speaking with their underwriting team.
I then got a call back to say that they would be unable to provide me with cover due to the weight issue. I am now really worried as I what I taught was an initial discussion about the prospect of getting cover has now turned into an application that has been refused. My fear is that this is bad, as Life insurance companies ask if you have been refused elsewhere and I am not sure if I now have to disclose this in future applications with the main life insurance companies? At this stage I would have hoped to solve the main issue of the weight...
thank you...