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GPR is short for General Medical Practitioners Report. When a life insurance company receives your application it is scanned onto their system and is passed to an underwritrer. The underwriter looks at the application to check if any additional information will be required before the insurance company finally offers insurance cover. One of the areas the underwriter would focus on will be the medical questions. If the applicant has declared any previous significant illness the underwriter may wish to write to the applicants’ doctor for a report based upon their medical records. This report is called a GPR. Naturally, the insurance company and the doctor must have signed a signed approval from the applicant before the doctor will release any information whatsoever.
GPR’s are invariably required if the application is for a large sum to be insured.
Mini-screening. A mini-screening provides the insurance company with more up to date health information about the applicant. These screenings are often used in conjunction with a GPR. A nurse will visit the applicant at home or at work to carry out some simple tests eg blood pressure. The nurse may also take a sample of saliva to test for evidence of smoking.
Full Medicals are often required where a large sum is to be insured or in circumstances where a specific illness may not be accurately gauged by a GPR or mini screening. They are quite straight forward and typically take 30 minutes of your time.
Life Insurance
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