Disability Insurance Medical Exclusions

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Disability Insurance: Removing Exclusions I spoke to a client of mine (Dr. Griffin) who purchased a policy a few years ago. At the time, she was a graduating anesthesiology medical resident and was getting ready to go in for a back surgery. As expected, the company put a back exclusion on the policy. They said they would reconsider the exclusion …

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Incontestability Clause for Life and Disability Insurance

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When you apply for life and disability insurance, you are required to go through medical underwriting. This typically involves a paramedical exam (blood and urine test) and questions about your medical history. It is up to the applicant to answer the questions to the best of their knowledge and to fully disclose any medical conditions. If a life or disability …

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