I have recently gone through the application process to change insurers. During the application, the agent filled in questions for me online over a web conference. It went through quite quickly and I was approved.
However, when I received the application form in the contract in the mail I noticed that some questions were incorrect.
1) Question about any surgeries etc.. in the past 5 years. I had minor surgery but this question had been answer "no" even though I mentioned it a number of times during the app. I have since added an addendum with the agent that has been submitted to the company.
2) Are you or a spouse currently pregnant. I am the husband and this is an individual policy just for me (my wife is insured separately). I was told not to worry about this - the agent knows our situation and that my wife is expecting (very soon).
I'm not 100% comfortable right now with these two questions, what do you think?
I'm still insured with my old insurance and have not cancelled yet because of being nervous with these questions. I hate these types of applications and am always wary of things coming back to haunt me later on.
However, when I received the application form in the contract in the mail I noticed that some questions were incorrect.
1) Question about any surgeries etc.. in the past 5 years. I had minor surgery but this question had been answer "no" even though I mentioned it a number of times during the app. I have since added an addendum with the agent that has been submitted to the company.
2) Are you or a spouse currently pregnant. I am the husband and this is an individual policy just for me (my wife is insured separately). I was told not to worry about this - the agent knows our situation and that my wife is expecting (very soon).
I'm not 100% comfortable right now with these two questions, what do you think?
I'm still insured with my old insurance and have not cancelled yet because of being nervous with these questions. I hate these types of applications and am always wary of things coming back to haunt me later on.