Smoker or non-smoker? Are you sure?
Recently, I've had an interesting discovery with a client coming of age on their parent's policy, and they were transitioned to their own cover on smoking rates without any input or questions from the client.
Yes, that's correct.
I dug a bit deeper, and I found this was in the policy wordings, the old Tower Premier Health policy. It was changed sometime in 2007/2008 to pick up auto allocation of smoker rates when continuing a child on to adult rates and policy.
This prompted me to question the long-held assumption: are non-smoker rates non-smoker rates?
Thankfully, the majority...MORE»
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