IMPORTANT INFO, Please read:- Why it is so important to have an underwritten policy, what does this mean? This means you have applied for insurance (not via industry super or default insurance via your new super fund with your new employer) and you have gone through the application process with your adviser disclosing everything.... Why is this so important? You need to disclose all medical, recreational, sports, working ie heights, explosives, smoking history to your adviser so this can be pre assessed by the insurance company underwriter at the start so there is no complications come claim time. WHY? THEY WILL NEVER FIND OUT ANYTHING!!! WRONG, everything these days are linked, doctors, physios, chiros, psychologists and especially anything where you have used your medicare card, private medical insurance, health care card. Yes, the insurance company underwriters can find out if they need to all medical history etc and this will effect you if you were to make a claim or if not initially, down the track you need to make a claim the insurance company may need to get a doctors report and this will show EVERYTHING you have ever seen a doctor for even where the doctor has given a prescription and you may not have even filled the prescription, this can hinder a new policy or a potential claim. If you thinking of taking out any insurance, life, tpd, trauma, income protection insurance, please have this underwritten initially so there is no issues down the track when you need to claim. If you have any questions please feel free to message me or call 07 55808097.
Posted on: Tue, 27 Jan 2015 23:42:14 +0000
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