This is incorrect advice. All medical questionnaires state "have you ever suffered from or received treatment, advice or had investigations for any of the following"... and then gives a long list.In my understanding you are making declaration based on facts not speculations. So if I get this right, at the time of signing your medical declaration your statement was true.
Your GP might be right but might be wrong - mine was treating me for muscle strain when I had a pulled disk. Furthermore, not all cysts are cancer related.
When you establish facts then make a call what to do about it. Not sure if this is correct, but that would be my approach.
Because insurance companies often try all the can to get out of paying up. the more successful they are in that, the more money they make.But why would a claim be refused if there is no connection between the cause of death and the breast check?
Life cover isn't quite the same as general insurance where there may be a thousand different reasons for claims and pages and pages of exceptions and exemptions.Because insurance companies often try all the can to get out of paying up. the more successful they are in that, the more money they make.
I dunno, I dealt with a case where a man had investigations but all clear and no treatment/medication required, roll on a few months and life cover issued, he hadn't mentioned it as thought it was a thing of nothing obviously with the all clear, however maybe 12 months later (can't remember exactly) the same issue arose and this time cancer was found on investigation, he subsequently died and insurer did not pay out. It was not a massive amount as it was small enough mortgage.For the argument sake - is my case/ reasoning strong enough to challenge a potential refusal?
I'm reading some decisions of the Financial Services and Pensions Ombudsman on non-disclosure and it seems that the main indisputable reasoning for rejecting claims is when people have records of medical issues and treatment they didn't disclose. My records on the other hand provide medical evidence of all-clear and no treatment required.
Thank you @Monbretia - would you have a reference number for this Ombudsman's decision by any chance? When was it? Ombudsman's decisions are publicly available but so many - having a ref. no. would help to find it and learn more of the circumstances.
It is impossible to know as we don't know what the investigations were for and I am not an underwriter.Thank you @Steven Barrett - do you think it likely that the insurance provider would have treated my application differently if they were aware of the all-clear results of the check-up?
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