- Life & Critical Illness Cover – will always be standard rate decisions
- TPD – will either be standard rates or we will not be able to offer cover.
The outcome will then depend on their date of diagnosis, treatment and time off work along with frequency and severity of symptoms. TPD may be affected by the applicant’s occupation, depending on whether its occupation specific or generic activities of daily living.
This is a general guide and is not a guarantee of acceptance.
|Example||Scenario (assumes BMI within normal limits, no to all other questions not specified and within maximum for sum assured and age limits)||Life Cover||Critical Illness Cover||TPD Cover|
|1||First diagnosed with whiplash 3 years ago; last had symptoms over 2 years ago.||Standard||Standard||Standard|
|2||First diagnosed with whiplash 3 years ago; last had symptoms 18 months ago.||Standard||Standard||Terms would be dependent on occupation|
|3||First diagnosed with whiplash 2 years ago; last had symptoms 9 months ago.||Standard||Standard||Terms wouldn’t be offered|