Non-disclosure

There are three high-level categories of non-disclosure:

Innocent non-disclosure

This is where the client has acted honestly and reasonably in all circumstances or circumstances where a reasonable person would have considered the missing or incorrect information was not relevant to us. In these cases, we’ll pay the claim in full.

Negligent non-disclosure

This is where the client hasn’t taken reasonable care when completing their application form. This includes anything from an understandable oversight or inadvertent mistake to serious negligence. In these cases, we’ll take into account the non-disclosed information and assume we’d been told at the start. We’ll then work out how much cover the price paid would have bought if we’d known.

Deliberate or without any care non-disclosure

This is where the client knew they were giving false information, or has acted without any care as to whether the information was correct or relevant to us. In these cases, we’ll decline the claim and in some cases the cover may be cancelled.

To help reduce the risk of non-disclosure we recommend you use our team of UK base tele-interviewers who will gather all the information we need directly from your client.

They’ll phone your client at a time convenient to them and fill the medical, health and lifestyle sections of the application form in with them. Not only does this save you valuable time, it also provides peace of mind that your clients' relevant details will be captured accurately by dedicated, experienced professionals.