For most clients, submitting an application where there are no medical or other disclosures will mean that terms are offered pretty quickly. Such clients are usually deemed as relatively low risk and as such medical evidence will not be required. Where the client is slightly older or requires a particularly high sum assured however, they potentially pose more risk for the insurer and as such medical evidence may be requested. In such cases, setting the clients’ expectations in terms of what will be required is vital to ensure that they are aware of what is required and not taken by surprise. In this course we look at when medical evidence might be requested for different benefit types.
