Mortgage Life Insurance Medicals>

When an insurance company decides how much to charge you, it has to work out how long, statistically, you are likely to live. To do this it will take into account your age, whether you smoke, your occupation and your health record. So if you have a health record that may indicate potential problems or you want cover for an especially large mortgage, the insurance company is likely to want to know more about your health.

To do this they may decide to write to your Doctor for information or to get you to have a very quick “mini-medical” or even a full medical. (Incidentally, the insurance company pick up all the costs of all these medical reports.) In our experience, the insurance companies ask for additional medical information for about 1 in 10 of applicants so it’s fairly common.

However, medical reports do slow down the application procedure.

 

 

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