Life Insurance Application
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When an individual wants to get a life insurance plan, he/she first has to fill up a life insurance application form. This form will require personal information, financial status, lifestyle, and medical history. All these information are necessary to determine if an individual is qualified for the certain insurance coverage he/she wants to get. The people who will view this document with the utmost confidentiality are qualified staff composed of underwriters, medical directors, and only those employees related to the receiving and evaluation of the application.
FAMILY AND HEALTH HISTORY
When applying for life insurance, an individual’s health history and family’s health history are important. It could very well determine if the application would be accepted or denied. The family and personal health history of an individual are indicators of the possible health issues or risks in the future and even sudden death. Diseases that run in the family like diabetes, heart diseases and cancer are being asked if the parents of the applicant died due to the disease before turning 60 years old. The hereditary characteristics of this diseases are to be considered. An individuals past illness could reappear even when seemingly healthy. Diseases like cancer, epilepsy, heart problems, etc.
