Life Insurance / Terminal Illness

In this sad time, sometimes its difficult to concentrate in the handling a claim when you are grieving the loss of a love one.

The insurance is normally one of the quicker claims to be processed. This again depends on the circumstances.

Cancel a policy:

1. on the basis of a very minor previous illness or injury
2. where an insurance agent was told about an illness or injury, but chose not to put it on the application form
3. where an insurance agent did not explain the application form
4. where the person did not understand the application form
5. on the basis of a medical condition the person did not even know about
If an insurer tries to cancel your policy, you should get an expert opinion immediately.

Pre – existing condition

Some policies say that you cannot claim for a pre-existing condition. The rules about pre-existing conditions can be complex, and often a pre-existing condition is not a reason for a claim to be rejected. You should get expert advice on whether a pre-existing condition is a problem for your claim.