Duty of Disclosure

You have a Duty of Disclosure to the insurer at the time of application to give full details of your medical history past and present. You should answer all questions truthfully and to the best of your knowledge.

The last thing you want is a claim declined because of non-disclosure.

Please note the key elements regarding your duty of disclosure to the Insurer:

If prior to policy issue, there is a change in the insurers circumstances (health, occupation, pursuits, etc) and you believe this change would be relevant to the insurers decision to accept the application, details should be disclosed.

Future claim payments could be affected if the requirements of the Duty of Disclosure are not followed. If the life insured and the policy holder are different people, you refers to both of them.