We may ask for medical information from your client's GP within 6 months of their policy starting to make sure our records reflect the correct medical information of your client. We’ll only ask for this where a policy has been accepted without the need for any other medical evidence. This is common practice amongst protection providers.
If one of your clients is selected, we’ll send a letter to both you and your client explaining what will happen. We’ll ask you to provide signed consent from your client which lets us access medical information under the Access to Medical Records Act (AMRA) 1988. Once we receive this we’ll ask for a General Practitioner's Report from the named GP.
If the medical evidence highlights any new information which your client did not disclose on their original application, and which would have had a bearing on our underwriting decision, we may need to amend the terms or cancel their policy. If we amend the policy terms, we’ll issue a revised policy schedule and our reasons for the amendment.
If there’s no new information then we will let you know that no further action will be required and the policy will remain on risk on the original terms.
By agreeing to the declaration as part of the application, your client is agreeing to take part in the medical sampling process if they are selected.