Doctors referral for life insurance

[pleasechange]

Have also posted this on the Healthy board...

Recently applied for life insurance due to birth of first child. I was ultra careful when filling in the application and listed everything. So result is that I look like the most unhealthy person every (not really, but various UTI's, backache in the past, several small things that I no longer have).

So life ins co told me they're asking for a doctors letter. I'm obviously fine with this, but now the doctor has asked me to come in for an appointment to discuss.

Is this normal?? I'm a healthy person, not on medication and no real family history of illness

I think it's fairly normal for both the insurance company to require it and for the doctor to want to speak to you about it. I think it's also fairly standard practise for doctor to require payment for this rport, but not sure...

Incidentally make sure you haven't been too honest - my step father recently had to amend his, as he had ticked 'yes' in the smoker's box as he has a couple of cigars a year - when he spoke to insurance company they confirmed that they don't consider this a smoker. If there's anything you're not sure about, discuss it with the company to ensure you've put the appropriate thing down.