more life assurance problems

D

dub1

Registered User
Messages
79
I am having a problem with getting life assurance. The long and short of it is that I had kidney stones 4 weeks ago. I spent one night in hospital and Had a minor procedure to have them out. I went back ten days later to have a stent out(a tiny tube to make sure all the residue from the stones were flushed out). In the meantime I had applied for my life assurance. As expected they asked for a letter from my doctor and a discharge form from the hospital. They then asked for a PMA to be filled out by my doctor( a questionnaire of sorts). They then asked for letter from the consultant in the hospital to say everything was fine and that I did not need any after care etc. I was told that The chief medical Officer just needed to sign things off but that it should be fine(a girl in New Ireland told me this). I got a call this morning requesting a full medical. My doctor was very obliging and did this this afternoon. I even delivered the blood sample to James hospital myself. He did a full check up and everything is normal. I'm in very good health and have never had any health problems of any kind before.

Is this normal procedure. I'm going on holiday on Sunday and the snag will be done while I'm away. I'm just afraid that they may turn me down. Im dubious of everything now. One of the questions asked was if your parents are alive or dead. My mother died 32 years ago aged 47 of a brain haemorrage. They would hardly hold that against me???. Any advice at this stage would be welcome. I'm sure they won't ultimately turn me down but it could end up being a race against time
 
What kind of policy are you taking out? Is it basic mortgage protection or have you requested additional benefits?

Its pretty standard to ask for a PMA in view of a recent procedure. If they need further info. or are not satisfied that the PMA covers their investigation, they request a full medical. This could be as a result of the recent procedure or another query that arose in the PMA. It could also be that the underwriter is being very thorough.

Questions in relation to the death of parent(s) wouldn't usually result in an application being declined. If they felt you were high risk they usually load the policy (meaning a higher premium) or put exclusions on the policy if additional benefits are being taken.
 
thanks. Its a straight forward level term policy. Its a duel policy so my other half has already been aacceped or so I am told. I can understand if something else came up on the PMA to that warranted further investigation but I've never been ill in my life(apart from the usual cold and flu) and I hardly ever go to the doctor. As well as that the doctor had to fill out the full medical in front of me yesterday and everything was completely normal, as it would have been a few weeks ago when he was filling out the PMA. The only thing that I can think of is because the procedure was so recent. One thing that annoys me is that apparently(according to the broker) they dont enforce medicals for smokers. They just charge higher premiums. Now that really makes no sense to me at all when I look at my own situation. Thanks for your reply.
 
dub1 said:
One thing that annoys me is that apparently(according to the broker) they dont enforce medicals for smokers. They just charge higher premiums. Now that really makes no sense to me at all when I look at my own situation.
Click to expand...

This is actually a good thing for you. An insurance company is checking into your health and if they find that your recent procedure is not likely to shorten your life expectancy, you won't pay a loaded premium.

With a smoker, they have so much evidence that smoking will probably affect life expectancy, they don't even bother to check - just load the premium anyway as a matter of course.

(Incidentally, if a smoker had a kidney stones procedure as recently as you, they would have to undergo the exact same tests as you. But in the end they will still pay more than you because they smoke.)
 
This is actually a good thing for you. An insurance company is checking into your health and if they find that your recent procedure is not likely to shorten your life expectancy, you won't pay a loaded premium.
Click to expand...

Good point. Also, as the insurance company are checking you out, they cannot use the "we're not paying out because this is related to a previous medical condition/you did not fully disclose the seriousness of previous problem" excuse if you get a medical problem in the future as it is their doctor who will be passing you.
 
just to let you know New Ireland passes my application and are also charging normal rates. It was a bit long and drawn out but at least, if nothing else, I know I'm now completely healthy. Thanks for the advice
 
You must log in or register to reply here.
Back
Top