Sun Life invites:
No medical or any check
is necessary, BUT when, if, a claim is lodged the entire life-time medical
history becomes available.
Be very careful here.
Unless death occurs as
the result of an accident, any natural death will have a reason. Why stop at 80
years of age? Death by simply old age then becomes too likely, presumably.
Before this, statistically there will be a health reason for death. Something
manifesting within an 80 year lifetime.
It will be revealed
after death. A post-mortem might uncover all sorts of problems that could
not possibly be known before death. Alzheimer’s Disease?
Evidence from examination of the brain only after
death would provide the necessary proof.
Check the requirements
before buying this type of product. Scrutinise the conditions - the detail not
synopsis.
·
Suggestion for a letter of enquiry.
I
have recently come across Sun Life 50-80. I am exploring possibilities for
insurance in later life and in a few years time I will reach this age. I do,
however, need some clarification. The pledge is to guarantee acceptance into
the plan without any medical or health check. The guarantee of acceptance is
rather meaningless if a claim were to be made against this insurance policy.
Presumably, the checks would then be made. Retrospectively.
So,
what criteria are used to determine a claim acceptance? Obviously, I would not
wish my dependants to be exposed to any problems. Please forward to me the
condition criteria and the extent of cover. Especially the quality of evidence
required to mount a claim. I require the details and not a synopsis to be in a
position to judge whether this plan would be appropriate.
Yours
faithfully,