A lot of my clients, when they signed up life insurance plan with me, they were not in their best of health. Inadvertently, what happened, is that, insurance company, add in an exclusion clause, reduces coverage or perhaps add loading (pay extra premium) on their insurance policies, and that is normal. Insurance companies need to manage their risk.

Nevertheless, policyholders whose policies are imposed with Special Terms can ask for a review if their medical condition improves.

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Below are some important points to note:

1. Policy review can be done at anytime.

2. Submit Review of Special Terms form with the latest medical reports through your financial consultant.

3. As policyholders are making the request to improve the special terms, the costs of the medical examination and reports will be borne by the policyholder.

4. If he wants the insurance company to extract the report on his behalf, we can help but …