Me and other half applied for mortgage back in October, got approved, applied for life assurance, got a quote. So off we went house hunting and picked a second hand house which wasnt ready to go til February/march.March came and
We were ready to sign and a couple of days before the closing date, we got a call from our insurance broker to say that the three months had lapsed since we got our life assurance quote so we had to re apply. Same company, same form, same answers etc...
Anyway they then send a letter back to say they are not willing to issue life assurance as i had an slightly abnormal smear two years ago and am still being followed up. these changes are minimal and havent progressed at all overr the last two years. As you can imagine it was panic stations as we couldnt get our mortgage cheque to close etc. We tried to get guarantor, bank wouldnt accept, tried to find someone else to take my half of the mortgage etc. It was sheer hell for two weeks. We were ready to lose our deposit of 35 grand.
After numberous calls to the insurance company i got nowhere. So i decided to ring Blackrock Clinic to see if i could get a colposcopy really quickly to show the insurance co. that i was ok.
Clinic said yeah we could, wil cost xyz.
SO.....
I rang teh insurance co to see if they would accepth this as proof i was fine. I spoke to a differnt girl who looked at my file and said 'hang on a minute, smear tests dont really bother us , let me look at you rfile and get back to you'
Half hour later she rings to say 'yeah youve got your cover, policy gone in the post!!!'
When i asked what had happened to change this, she said, 'oh it would have been a junior underwriter who looked at your application, she didnt know smears are not something we worry about!!!'
So after putting us thru two weeks of hell by declining us, they finally gave our policy.
My point is if it wasnt for me persevering with the company and ringing numerous times they would have declined us and we would have lost 35 grand.
SO IF YOU GET DECLINED FOR LIFE ASSURANCE, PESTER THE HELL OUTTA THEM UNTIL YOU TALK TO SOME ONE SENIOR, AND YOU MIGHT GET A DIFFERENT ANSWER!!
We were ready to sign and a couple of days before the closing date, we got a call from our insurance broker to say that the three months had lapsed since we got our life assurance quote so we had to re apply. Same company, same form, same answers etc...
Anyway they then send a letter back to say they are not willing to issue life assurance as i had an slightly abnormal smear two years ago and am still being followed up. these changes are minimal and havent progressed at all overr the last two years. As you can imagine it was panic stations as we couldnt get our mortgage cheque to close etc. We tried to get guarantor, bank wouldnt accept, tried to find someone else to take my half of the mortgage etc. It was sheer hell for two weeks. We were ready to lose our deposit of 35 grand.
After numberous calls to the insurance company i got nowhere. So i decided to ring Blackrock Clinic to see if i could get a colposcopy really quickly to show the insurance co. that i was ok.
Clinic said yeah we could, wil cost xyz.
SO.....
I rang teh insurance co to see if they would accepth this as proof i was fine. I spoke to a differnt girl who looked at my file and said 'hang on a minute, smear tests dont really bother us , let me look at you rfile and get back to you'
Half hour later she rings to say 'yeah youve got your cover, policy gone in the post!!!'
When i asked what had happened to change this, she said, 'oh it would have been a junior underwriter who looked at your application, she didnt know smears are not something we worry about!!!'
So after putting us thru two weeks of hell by declining us, they finally gave our policy.
My point is if it wasnt for me persevering with the company and ringing numerous times they would have declined us and we would have lost 35 grand.
SO IF YOU GET DECLINED FOR LIFE ASSURANCE, PESTER THE HELL OUTTA THEM UNTIL YOU TALK TO SOME ONE SENIOR, AND YOU MIGHT GET A DIFFERENT ANSWER!!