Question

An older relative with a life-threatening illness comes to you to help get him life insurance; you have been told of a physician who is willing to overlook medical problems in life insurance exams out of "compassion" and send him to this physician for the qualifying exam; it works and he gets rated better than his health would ordinarily allow. Is this ethial and/or legal?

Answer 1

Providing false information on a life insurance application is unethical and illegal.

Step-by-step explanation:

Providing false information or misrepresenting medical conditions on a life insurance application is considered unethical and illegal. Insurance companies rely on accurate health information to determine premiums and whether to offer coverage. If an applicant intentionally manipulates the results of a medical exam, it can be considered fraud, which is against the law.

It is important to prioritize ethical conduct and follow legal guidelines when dealing with insurance matters. Encourage your relative to be honest and transparent throughout the insurance application process to avoid any legal or ethical complications.