Risk Clinic: Underwriting mental health problems

Now in her early 30s, these mental troubles are making it problematic for her to get protected with life, critical illness or income protection. How do I approach this case? Peter Chadborn, CBK (Colchester) This highlights the importance of pre-underwriting research, not just product research. Without such an approach the adviser and their client are going to become frustrated by a prolonged and unpredictable application process. I would begin by asking Alice and her partner to anonymously complete a short list of health questions ranging from height and weight through to family hist...