Can proposed insureds access all the results of exams and other requested information?
Yes. People can and frequently do request to receive copies of test results. They can also request to have them sent to their personal physician. 6. Who else has access to these results? Exam results and medical records are sent directly to the company’s underwriters and handled in strict confidence. 7. How are the results used? The information gathered on both parts of the application and from the other requirements is used to classify the risk a person represents. Based on the level of risk a proposed insured is placed into one of four general categories, preferred, standard, special class or declined. Every company has its own rating and based on this they determine the premium structures for the policy. 8. What if an exam reveals an unknown medical problem? Remember most people that undergo medical exams qualify for insurance without any concerns. In the unlikely event a problem is discovered, you may be offered a policy with a higher premium as a special class or we may postpone t
