From: John Boyle 
Newsgroups: uk.finance
Subject: Re: Victory for widow who took on the life insurers
Date: Sat, 15 Sep 2007 11:47:41 +0100
Bytes: 2924

In message <5l1q7tF61s7lU1@mid.individual.net>, tim..... 
 writes
>
>"John Boyle"  wrote in message
>news:SpBQcOI5zx6GFwCD@johnboyle1.demon.co.uk...
>> In message <5l0666F5pov4U1@mid.individual.net>, tim.....
>>  writes
>>>I am seriously considering asking my GP for a copy of
>>>my records and stapling same to the form.
>>
>> How will that help?
>
>It will detail every visit that I have made to the doctor in
>the past n years, which is effectively what the insurer
>are asking for.
>
>Why should it make a difference if I write the information
>on the form in laymans terms or if the doctor writes it
>in medical terms.
>

The contract is between you and the insurer. You need to sign the 
proposal, not the doctor. The Doctor can only report on what he knows 
about. When a lifeco writes to a GP they usually write specifically 
about the condition or event you entered on the form. If you went to a 
different doctor or had a medical event that you didnt report to the 
doctor then your GP wouldnt necessarily know about it.

>If the insurer doesn't read it, because there is too much
>of it, then that is their problem.

>If insurers are going to
>void a claim for a serious illness because I visited the
>doctor for something apparently trivial five years ago then
>the customer has no choice but to put all the trivial stuff
>down.  If I do this there will still be too much for the insurer
>to read, but at least I will have made full disclosure.

No you wont have made full disclosure, your Doctor will have fully 
disclosed what he knows. There is a difference.
-- 
John Boyle