Answered by Sam Carr
If you have unfortunately been declined for critical illness cover, first you would need to find out as much information as possible as to why you have been declined and for what medical or lifestyle reason.
You should give all of the information to your adviser so they can speak to all insurers with pre sales medical underwriting queries before applying to ensure you can apply with the insurer that will offer the best terms and for the best premium.
If the insurer you were applying with had asked your GP to see a report you should try to obtain that report so you can give that information to your adviser so they can obtain the most accurate indication of terms. This will save you a lot of time and effort in applying with insurers that potentially may decline, offer special terms or increase the premiums due to your health or lifestyle.
It is often the case that one insurer may decline a critical illness application whereas another could offer cover, with or without an exclusion or premium increase.
An adviser will be able to help you find out which insurer looks like the best bet for a new application.
Frequently Asked Critical Illness Insurance Questions
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