It is vital for any insurance company to know each and every client inside out before they make the decision to do business with them, quite literally. Of course everybody that applies to an insurer is a potential client and the insurer will want to do business with as many people as possible. But to negate the chance of being bankrupt by claim after claim the insurer requires the customer to submit the initial assessment of the application form which is jam packed full of questions about the lifestyle, health, occupation and recreational activities of the client. Any answers deemed non-standard or high risk are then looked at by the life insurance underwriting department who leave no stone unturned to find out exactly whether the customer can be accepted and done business with.
Don’t lie about HIV in health insurance application
