- 4,998
Dr records tend to lead to another test result to be tracked down and/or a mention the person could have this or that & further testing may be needed. I think part of it is the Dr needing to CYA to mention possible items to get health insurance to agree to pat for test. To a life insurance underwriter, that looks like a potential reason to postpone, decline, table rate or not get preferred select or superpreferred. 10 years ago, almost all 25 year Olds got best risk class, it now seems much more rareI wonder how doctor visits play into this?
In the past it seems few people visited the doctor on a regular basis, so less data to pull from. Now even young ones are regular to the doctor, more data, better historical data for an informed decision.
Just thanking...