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Disclose your complete medical history to the insurance company
In order to save precious time during the underwriting process, make sure that you provide
complete records of your medical history. Don't bother with trying to cover up your medical
history in order to qualify for a better insurance rate. Insurance companies can easily track down
your medical records through the results of your insurance medical exam or through the Medical
Information Bureau (MIB), a clearinghouse of medical information that insurers share. Matter of
fact, each time you apply for life insurance and take a medical exam your results and records
are sent to the MIB.
If you have any medical history it is best to provide your doctor's contact information so that the
insurer can request your records from the doctor's office if need be. Many times, the insurance
company will require an APS (Attending Physician Statement) from your doctor that is or has
treated you in the past if you have had any significant medical history. If you are one of the lucky
ones and have been fortunate to have no medical history, simply do not list a doctor on the
application- just state None. In other words, do not list a doctor just to list one. Otherwise, you
could waste time by triggering the insurance company to hunt down your medical history from
the physician you listed when you do not have any such records.
What All Pilots Should Know When Applying For Life Insurance
1. Work with an aviation experienced insurance agent
2. Know the aviation guidelines before submitting an application
3. Complete the insurance aviation supplement form correctly
All-Around Tips When Applying For Life Insurance
1. How to have a better medial exam
2. Disclose your complete medical history to the insurance company
3. The low-down on smoking rates
4. The more you weigh, the more you pay
5. Conclusion
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