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Will you see the results of my medical tests?

No. The medical company who conducts the tests sends the information directly to the insurance company you selected. The insurance company will only come back to us with a rate without disclosing your medical conditions to us. For example, Preferred rate (which is the least expensive) is you are in excellent health with no adverse family history to rated or declined (if your medical results revealed a medical condition either personal or in your family). Even in the case of a rating or a decline, we do not see any of your test results. Only you can inform us about the details of your health.

A type of insurance sold in Canada for nearly 10 years could lead to a dramatic tug of
war around a policyholder's hospital bed.

But a lawyer specializing in trust and estate matters says he, for one, has yet to hear the thorny issues raised at professional seminars or conferences...


Insurance Companies Target Middle-Incomes Market With Less Complex Universal Life Products
Experts warn against using universal life for retirement income

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