Enquiries about health are the main cause of delays with life insurance.
However there are other things that can cause delays too. For example, it's a common problem
for customers to forget to sign and return important documents. Without the return of those
documents they cannot be insured.
If you completed a telephone application, the details of the answers you gave will be
sent in the post for you to check over and sign. This letter may also ask your permission
to ask your Doctor for confidential information about your health. If you do not reply
to this letter your Application will be put on hold.
If your insurance premium is over £50 per month you will have to prove your identity, this
is a requirement under UK Law. The letter will explain what documents they need to see,
and you will be able to send photocopies - without a reply your Application will be put
on hold.
You may receive a letter asking you to sign and return your Direct Debit form - without
this form your insurance payments will not be able to be taken.
The golden rule is: Reply to all letters promptly.
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