Jack Southcott, Head of Protection Proposition, has commented on the importance of being open about mental health history when applying for income protection.
“Being open about your mental health history when applying for income protection is essential. Full disclosure ensures your policy remains valid and prevents unnecessary delays at claim time.
If a condition is not declared, it can lead to delays in paying claims or a claim not being paid, which could leave clients without cover when they most need it.
While disclosure may lead to higher premiums or exclusions, it provides clarity on what’s covered and supports a smoother claims process.
In short, honesty upfront protects your ability to claim later.”
You can read the full article in FT Adviser here - www.ftadviser.com