In our underwriting guide you will gain an insight into our underwriting philosophy regarding some of the common illnesses and conditions.
Our underwriting guides have been amalgamated into one document. The document still covers the following condition:
Other common illnesses and conditions not covered in the underwriting guide:
|Medical condition||Life||Critical Illness Cover (CIC)||Income Protection Benefit (IPB)|
|Family History of Breast / Ovarian Cancer||Ordinary Rates||Males lives – Ordinary Rates.
Female lives – light to moderate rating if 1st degree relative.
|Malignant Cancer||If recent – postpone cover. Then heavy temporary rating. Severity of rating depends upon tumour size and nature.||Decision depends on the time since the completion of treatment and the nature of the cancer.||If recent – postpone cover. Then heavy temporary rating. Severity of rating depends upon tumour size and nature.|
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(With the exception of Thursday's when they open at 9.30am)
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