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Insurance Talk V5!, Anything and everything about Insurance
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questionX P
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 Dec 24 2019, 01:59 AM
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New Member
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How to answer the questionnaire asking if you had sexually transmitted disease in the past when you sign up for new insurance? How to answer this? So embarrassing. I'm sure many here must had caught stuff like gonorrhea and chlamydia in the past. But how many actually truthfully answer this? I feel this question is like such a trap. Like somehow down the road they are going to use this against you.
To all insurance agents here, does your client actually tell you they had STD in the past?
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questionX P
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Dec 24 2019, 06:20 PM
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New Member
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QUOTE(lifebalance @ Dec 24 2019, 09:29 AM) Insurance agents can still quote with the following terms up to 20 years up to 65 years old up to 70 years old up to 80 years old up to 100 years old Basically the system will compute to tell you that based on its projection, this is the amount of premium you'll need to pay to sustain for this length of period. Whether it achieve its projection is another matter. But since BNM decides to take a more safe approach, chances of the projection to achieve its target is higher since it's under-projecting but the funds may outperform. Bad side is that the figures won't look so interesting on paper. just tell ? it's a declaration since you intend to apply for something in this case an insurance and it's a risk factor. If you don't intend to tell anything about it then you'll be denied of any claims in the future even if you pay for your premium. Just curious, have you seen anyone so far declaring themselves to have had STD in the past? |
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