Hello, I have recently talk to my agent and they assured me there is no problem for me since I have an old ILP(medical CI LIfe) which I have never claimed before. And since I have never claim anything before, it will not affect me

-- I have an old ILP plan bought at 2013.
-- I have done xray and went for chiropractor for my back issues in 2016.
-- Bought a new ILP plan in 2017, but in the health check questianire. I have put "NO" in both

"have you experienced any back pain ........ etc"
"have you done any xray scan in the past 5 years".

So my question is, will it affect my claim in the future?

This post has been edited by eidur: Sep 17 2018, 07:15 PM

Thanks for the prompt reply

The 2013 policy is an old policy that was bought by my parents when I was teenager, everything is ok.

And for the back condition, it is a normal back pain, not any specific illnesses, do I still need to declare normal back pain?