Some people may have been put off from having a genetic test and missing a diagnosis and possible treatment for serious illnesses, such as cancer, because of concerns the results of the test may exclude them from obtaining insurance cover.
Life insurers are currently banned from requiring applicants for insurance to disclose the results of any genetic tests they may have and this ban will last until June 30th 2024 when it will be reviewed.
Under the duty of disclosure, a person applying for insurance must disclose relevant information to the insurer before a contract is entered into.
A person applying for insurance must:
fully and completely answer all the questions on the proposal form
answer questions asking for detailed information precisely, and
include additional information if a ‘tick the box’ question does not offer an answer that applies to the person’s situation
No. Intended parents do not need to meet for a face to face meeting with us to get their life insurances sorted. Our modern business systems help us look after all our clients remotely over email, phone or video chat - whatever is best for them.
No. Surrogates do not need to meet for a face to face meeting with us. We use modern business systems so we can work with our clients remotely over email, phone or video chat - whatever is best for them.