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You need to be prepared to declare your medical history so your can be underwritten appropriately.
It is also important to be honest about your medical history with your Chase Templeton adviser, only by gaining a true understanding of your medical history can your adviser recommend the best policy to suit your needs.
This is the process by which health insurance providers look at your application and decide what they will cover you for. There are many different forms of underwriting and you may wish to consider the following.
Your provider could contest a payout, or even sue to obtain legal costs and lost premiums.
In the case of large claims on the policy (for serious illness), your provider might even investigate your medical history – by contacting your doctor to request medical records.