About this Handbook
This Handbook is an important tool that can help you, particularly when you’re reviewing your client’s medical history.
This Handbook is an important tool that can help you, particularly when you’re reviewing your client’s medical history.
List of Medical Impairments that may or may not be covered.
List of Non-Medical Risks that may or may not be covered.
Smoker rates will be charged if your client uses any tobacco product including cigarettes, cigar, pipe, chewing tobacco, nicotine gum or patches.
Family history (parents and siblings) is an important risk factor in the assessment for insurance products.