Disclosure

IMPORTANCE OF DISCLOSURE

When applying for Life, Disability, or Health Insurance, it is essential that all questions on the application are answered fully, accurately, and honestly. This includes disclosing all relevant medical history, lifestyle details, financial information, and any other facts requested, even if you believe they may be minor or unrelated.

Insurance providers rely on this information to assess risk and determine whether cover can be offered and on what terms.

IMPLICATIONS OF NON-DISCLOSURE

Failure to disclose complete and accurate information — whether intentional or unintentional can have serious consequences, including:

  • Claims may be declined.

  • Your policy may be cancelled.

  • Future claims may be affected.

  • You may not receive the cover you expect when you need it most.

Your Right to Review and Update Information

  • A copy of all completed application forms will be provided to you.

  • You are encouraged to carefully review all information once completed

  • If anything is missing, incorrect, or has changed, you must notify us or the insurer as soon as possible.

  • Keeping your information up to date helps ensure your cover remains valid and effective.

Key Takeaway

  • Full disclosure protects you.

  • Accuracy now helps prevent problems at claim time.

  • If in doubt, disclose it.