Life Insurance Non-disclosure

Life insurance provides vital financial protection however a failure to disclose material facts at application stage can render your cover invalid. Non disclosure of any information on your application form could mean that your claim will be rejected. It is important to answer all the questions on your application with honesty and precision, to the best of your knowledge.

When completing the life insurance application form set questions are asked in which you will need to provide material facts in order to determine if you are high risk. When applying for life insurance, non disclosure of any information that could affect your claim and result in the termination of your policy.

When applying for life insurance remember to disclose any relevant information relating to your application for cover on the insurance company's application form e.g.

• Medication or treatment that you have or have previously.
• Underlying health conditions.
• If you smoke or drink excessively.
• If you have or previously have suffered for any mental illness such as depression.

Non disclosure at application can result in an insurance provider refusing to honour a claim in the event of the death of the life assured.