Advice please re life assurance health forms.

[onesock]

We moved 3months ago and have a mortgage of 290k. We can afford this on DHs salary but if anything happened to him no way could I pay it.

Anyway, found out today that all this time we haven't had life cover because the doctor's surgery can't get round to sending the form off so the insurance co wont start the policy. I feel sick with worry. If anything happened to DH, Ds and I would be homeless

Spoken to the surgery and they said they'll get round to it when they get round to it.
They said it isn't a priority but it isn't trivial to us.

Is there anything I can do? We don't have other cover as we had 3x DH's last salary in his old job but he's now gone self-employed.

Please, if anyone can give me any ideas. I know I'm thinking of the worse case senario but can't get rid of the worried sick feeling in my tummy.

TIA

can you speak to your mortgage adviser/insurance company and get them to chivy the gp along?

I doubt the insurance co chivvying the gp along would help, but you could ask for a private medical instead I presume.

Ask to speak to the practise manager, check with your Local Health Board if there are any service agreement times for turnaround of paperwork- book an appointment with the relevant GP and wait while s/he fills it in?( last resort as taking up valuable space an ill person might need)

Is your insurance separate from the mortgage ? Find it hard to beleive they would let the mortgage go through without proof of cover. Who told you you weren't covered, could the policy still be "on risk" without the form ?

Thank you everyone.

Yes, the cover is separate. Mortgage granted on the premise that suitable cover would be obtained.

Have spoken to practice manager. She was little help saying that it's not really a doctor's job and they just do it as a courtesy. Apparently it takes 5mins and the financial advisor says they get paid £150 for it. He has also chased it constantly.

Milge, there is an agreement to turn them around within 21 days but it's not legally binding and GPs are only asked to conform.

Don't know where to go from here!

BTW, we don't need a medical just a doctor's confirmation that neither of us has a serious illness.

The ironic thing is that collectively, we've seen a doctor about 3 times in the past 5yrs!

We have similar cover which we didnt need any info from the gp.the catch is that when you come to claim they will get in touch with the gp to get your medical history.

Just shop around for one of those covers with no surrender value.

my gp charges to fill forms like that because it's "not an nhs function" but a private thingy same as filling insurance claims and getting references.