I find it interesting on so many levels that the carrier can assume to know what the applicant did or did not know, and whether or not the applicant willfully made a material misrepresentation on the application.
And they did this without questioning the applicant . . .
I talk to folks on a regular basis who do "not have high BP" even though they are taking BP med's. When I question them the response is along the lines of "I used to have high BP but not any more".
It completely escapes them that the BP med is not CURING the problem, only addressing the symptoms.
Too often agents, attorneys, carriers, etc assume the general public has a working knowledge of how insurance works, legal mumbo jumbo and medical terminology.
I also think Kirby had some valid points that either were misunderstood or simply fell on deaf ears of folks that made the assumption their position was right and anyone else is wrong.
And they did this without questioning the applicant . . .
I talk to folks on a regular basis who do "not have high BP" even though they are taking BP med's. When I question them the response is along the lines of "I used to have high BP but not any more".
It completely escapes them that the BP med is not CURING the problem, only addressing the symptoms.
Too often agents, attorneys, carriers, etc assume the general public has a working knowledge of how insurance works, legal mumbo jumbo and medical terminology.
I also think Kirby had some valid points that either were misunderstood or simply fell on deaf ears of folks that made the assumption their position was right and anyone else is wrong.