Many pieces of information that are
called by the insurer are too personal
and hence known to the proposer only in its fullness. Answers to these
questions have an impact on the insurer’s decision to grant life cover.
Let us take two examples to clear this point.
Some illnesses have a debilitating tendency on the health of the proposer for a
long time to come. It may also have a tendency to recur again, may be with more
vengeance. Onset of diabetes means it will continue till the end of the life of
the proposer. If not properly taken care of it can have a negative impact on
the longevity of the proposer. So the insurer may call for past treatment
records and case history to see whether proper care has been taken. There may
be a case of a proposer who suffered from jaundice. Jaundice is a dangerous illness liable to
come back. The insurer may call for a treating doctor’s report and meet the
situation by postponing consideration of the proposal for a minimum period of
six months. In this way injuries suffered due to accident by the proposer and surgical
operations done on him do have a say on his health and longevity. Insurers call
for special reports in all such cases.
Similarly proposers working in risky
jobs like working in underground mines, in coke oven batteries or steel melting
shop of a steel plant, as divers, paratroopers or circus artists, or in an
explosives' factory may pose a higher risk. The insurer, in order to assess the
nature of duties and risk involved may call for special reports on occupations
of such proposers. These also will form part of the proposal.
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