When purchasing life insurance under $30,000 does the life insurance provider request information from your health insurance provider?
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UPDATED: Nov 9, 2011
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Insurance Question from Hickory Hill, TN
Asked on 11/09/2011
When purchasing life insurance under $30,000 does the life insurance provider request information from your health insurance provider? NULL
Answer given on November 16, 2011
It is possible for an insurance provider to request information from your health insurance provider on any amount of insurance. It all depends on what the underwriting guidelines are for the insurance company. Read our article on The Importance of a Life Insurance Application. The underwriting guideline for the company to which you are applying states that you only have to answer a few health questions, however, a negative response to any may trigger the need for further review and a request for health records. Read the find print carefully on your application. Your signature on the app may allow them to collect your medical record in the event they need more information to determine if you are an acceptable risk. You must, however, answer all questions truthfully on your application. You do not want them denying your beneficiary’s claim for your death benefit do to a material omission on your life application.
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