An application for Income Protection / PHI has been accepted but a "back" exclusion has been applied.
Is it worth taking out income protection with this exclusion? My thinking is that in the event of a claim the insurer would find a way of relating the ailment to the "back".
Does anyone have an opinion on this?
Is it worth taking out income protection with this exclusion? My thinking is that in the event of a claim the insurer would find a way of relating the ailment to the "back".
Does anyone have an opinion on this?