Question

Bob applies for an insurance policy and, because of his medical history, is required to submit an attending physician's statement. He receives the evaluation, and the report is submitted. The underwriting department still has further questions but is unable to get further information from the physician. What will the insurer most likely do?

Answer 1

The insurance company will not issue Bob a policy until all their questions have been answered. No company will issue a policy unless they are certain about the health condition of the insured individual.

Since the first physician was not able to answer all the insurer's questions, they will probably request Bob a second visit to another physician without any cost for Bob. The company should pay for this second opinion.