The Life Insurance application process sometimes requires the confirmation of health. This could be confirmation of a Doctor’s report and sometimes a nurse will be used to confirm heights and weights, smoking status even take blood – so a medical screening service.
With the staff crisis and the availability of skilled workers (like Nurses) being at an all-time low this impacts on how soon as family can be seen to gather any required samples. The longer this process takes the longer the time is before the life insurance company can finally make their decision on if terms on the life insurance are available. Every day the clock is ticking in a few ways for the none insured – the prices is going up (we are getting older), health can change and the family is at risk in the event of a life claim. (we need the terms agreed and accepted before the life insurance can have fixed premiums – not going up if we get older OR if health changes)
Golden Rock Solutions can help families & businesses with Free independent advice on not only which life insurance companies need a medical or not; but which companies have the longest wait times if a medical screening is needed. Thus meaning we get a quick decision and ultimately the best terms for the protection for years to come