Life insurance and general practice / by E. M. Brockbank.

  • Edward Mansfield Brockbank
Date:
1908
Catalogue details

Licence: In copyright

Credit: Life insurance and general practice / by E. M. Brockbank. Source: Wellcome Collection.

    28/336 page 8
    is some weak spot in the family or personal history, or some slight departure from the normal in the physical condition, which takes away the unex- ceptionable character of the proposal, but still allows it to be acceptable at ordinary rates as a fair business risk. The majority of proposals are of this class. 3. Doubtful, risky or third-class lives are those in which there is a distinct chance of the proposer not living his expectation of life, but which are acceptable for insurance with an addition to the premium—the amount of which has been calculated by actuarial experience of a number of similar proposals. If the proposal be placed in this class, the examiner is generally asked to state the number of years which he thinks ought to be added to the life to make it safe to accept, or to state the limit he would put to the expectation of life. 4. Uninsurable lives are those with some gross fault in family or personal history or applicant’s condition which makes it very probable that the life may die so soon after his proposal that any premium to cover the risk would prohibit the policy being taken out by the proposer. Fraud.—In making an examination for insurance the medical man must always bear in mind the possibility of fraud and deception on the part of the proposer. Such fraud may lie in an attempt
    digitised image 1
    digitised image 2
    digitised image 3