[caption id="attachment_1567" align="alignright" width="150" caption="Photo by ~yienshawn92~"][/caption] I met 3 clients with non disclosure cases recently. They have certain medical conditions but choose not to disclose during the application of a life or medical insurance. Let me share what happened for the 3 of them. 1) Mr Yeo previously suffered spinal disorder during his National Service about 5 years ago and had a day surgery to correct the spine. He was subsequently downgraded to Pes C9L9 after medical review with the specialist. He did not visit the specialist after National Service and do not have any medical report with him. The insurance agent from “P”, while signing up for his ILP and medical Plan, told him that it is not necessary to disclose it since he is not seeking treatment now. All his policies went through without a glitch. Read more...