Life Insurance Companies Using Online Personal Information for Underwriting

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By LESLIE SCISM And MARK MAREMONT Wall Street Journal November 18, 2010 Life insurers are testing an intensely personal new use for the vast dossiers of data being amassed about Americans: predicting people’s longevity. Insurers have long used blood and urine tests to assess people’s health-a costly process. Today, however, data-gathering companies have such extensive files on most U.S. consumers-online …

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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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