After the fact I remembered a few health history events that I did not put in my life insurance policy. What should I do?

I just secured my policy but upon looking through old files, realized I didn’t disclose a few illnesses and procedures that occurred in years past. I am concerned about rescission. Do I need to apply all over again?

Asked on June 27, 2009 under Insurance Law, South Carolina


M.T.G., Member, New York Bar / FreeAdvice Contributing Attorney

Answered 11 years ago | Contributor

You are correct to worry about disclosure as insurance companies may say that it was a fraudulent misrepresentation.  The type of illness and procedure may or may not have mattered in issuing the policy but you don't want to worry that your beneficiaries will have a fight on their hands.  You should contact the agent or the broker who helped you in applying or if there is a contact number for the insurer, call them.  They will know the procedure you need to follow. 

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