Market Views: Medical disclosure concerns

Andrew Gething, managing director, underwriting provider Morgan Ash It is all about risk. A client who is looking for a £20,000 life policy for mortgage cover would present a simple case which is compatible with these medical disclosure systems. For a £1m income protection policy application, things get a bit more complex. These insurer systems have evolved and are evolving all the time. The bottom line is the scale of risk. The other thing is the systems themselves. Some medical issues are not straight forward and cannot just be tick-boxed and the problem is the more information yo...