December 27, 2010

Its good to say i smoke i drink

Its good to say i smoke i drink

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Home Page > Finance > Personal Finance > Its good to say i smoke i drink

Its good to say i smoke i drink

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Posted: Aug 10, 2010 |Comments: 0
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If you say yes i smoke.. i drink and disclose the quantity of consumption you are safeguarding your life. Yes insurance company is not against tobacco or alcohol but if you don’t disclose your personal habits your claim may be rejected. If you have disclosed the company might have charged an extra premium and issued the policy.Not only the personal habits but also your previous medical history is very much taken into consideration. Mostly non disclosure is not done intentionally the person who sells the product will fill up the application and ensures that the policy get issued fast and he gets his commission forgetting about the long term consequences of non disclosure of material facts. Why the sales person have to do this is because if you disclose that you have undergone a surgery last year before issuing the policy the medical test that has to be taken will be strict, will take more time. The company may ask to pay extra premium which is again tough for the sales man to go again and ask to cut a cheque.. So the next time you take a insurance don’t forget to fill up the form in full by yourself and disclose everything with integrity. If not when need arise that is in your absence your loved ones will not be given the claim… so be cautious after all its your hard earned money honey!!

The next big mess happening in the industry is wrong selling the ULIP products. Insurance is for protection and not investment. watch out for the article on how investors are cheated by selling ULIP.

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Venkatesh Tk –
About the Author:

Trying to make a difference in the way in which people invest their hard earned money.To make everyone know about their money..and to show them if they are not careful a small mistake will lead way for a huge price.. its not emotions its intelligence that has to influence you to make investment decisions….i am trying to do my part as a serious financial professional to grow and let others grow as well. Regularly blogs @ tvkfinancialplanners.blogspot.com

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Source: http://www.articlesbase.com/personal-finance-articles/its-good-to-say-i-smoke-i-drink-3003852.html

Article Tags:
life insurance, claim rejection, proposal form, personal habits, agent, advisor, fraud, material fact, underwriting, non disclosure

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Its good to say i smoke i drink

Life insurance company rejected your claim.. there might be solid reasons for that. While filling the proposal form instead of you filling up the details your agent advisor would have just taken the signature from you and filled the proposal form by himself. By hiding the material fact what is good for the agent. If these facts are not disclosed the policy will be issued soon no much underwriting will be required and the agent gets his commission fast..

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