This post we assess the exclusions score from QPR and here are the sub-items. You will note that most of the companies that sell through advisers have one exclusion, and that is a temporary one: suicide in the first 13 months.
Of course, no company is prepared to pay a claim without some basics: a death certificate and claim form is typical. More information may be requested if there is some concern – but overwhelmingly there are very few death claims contested.
We think that most of the other exclusions are out of date and should be removed, or they are a consequence of a shortened application and underwriting process, and need to be properly disclosed to the client.
