BACK TO INSURANCE BAD FAITH The Importance of Properly Completing Your Application for Insurance
Buying health or life insurance begins with the completion and signing of a written application, which is critical for the insurer to evaluate the risk.
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The Duty of Insurance Companies to Deal With You in Good Faith
Insurance company have a legal duty of good faith and fair dealing with their policyholders.
→ Read MoreDenying Your Health, Disability or Life Insurance Claim By Canceling Your Insurance
Post claims underwriting gathers information after an insured presents a claim and can result in cancellation of the claimant’s health, life or disability income insurance policy.
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An insurance company waits until after the insured makes a claim to determine whether the claimant is eligible for insurance according to the risk he or she presents (called post-claims underwriting).
→ Read MoreProtecting Your Reasonable Expectation As an Insured
Insurance company underwrites after it has completed its risk assessment and before a claim has been filed, thus permitting the insurance company to determine the likelihood of a loss, and also protecting the reasonable expectation that the insured will b
→ Read MorePost Claim Underwriting – Fixing the Odds Against You
By engaging in post claims underwriting, insurance companies take advantage of your vulnerabilities during the delay between its promise to insure you (the issuance of your policy) and its obligation to perform (your submitted claim).
→ Read MoreA Marketing Decision: Assessing You As a Risk for Insurance
When analyzing your insurability as an applicant, an insurance company must initially decide how much information must be obtained from your health, life or disability income insurance application.
→ Read MoreThe Insurance Company Duty of Good Faith to You
An insurance company has the duty of performing its contractual obligations to you in good faith and not trying to take advantage of vulnerabilities created by the sequential character of contract performance – you are paying your premium now and sometime
→ Read MoreCanceling Your Insurance Policy for Alleged Misrepresentation
Some insurance companies will review a policyholder’s eligibility for insurance history after a health, disability, or life insurance claim is filed and cancel.
→ Read MoreInsurance Company Opportunism May Cost You Big Time
Insurance company issues health, disability or life insurance policy then conducts underwriting after an insured presents a claim, called post-claims underwriting.
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