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Great idea Marg! Thanks.

That's all fine and good Mark, and we have no issues at all with them excluding specifics, (we did take issue with blanketly excluding the entire cervical spine system based on recurring headaches). The part I'm struggling to understand now is, why wont they give us in writing the explicit...

Quick update for anyone interested. Went through with AIA insurance this time, and as hoped/expected, they only excluded anything SPECIFICALLY to do with Emma’s headaches. Can’t remember the exact disclaimer, but it sounded fine. Here’s the daft bit, the policy documents came yesterday...

Cheers all. BayView - Yes, I get you. I had wondered though, whether life insurance 'had' to offer cover, (within reason), and hence the post on here. Seems they can simply decide not to offer cover for any reason they see fit then. As I said before, we're quote happy for a pre-existing...

Bummer. Guess we'll just have to keep shopping around until we find a sensible underwriter. The best bit was they wouldn't reduce the premium even though they were chopping out a large portion of risk.

Yes, refuse was the wrong choice of word but what I'm getting at was they have refused to cover a particular body part (spine) but not on any real basis, as the headache issue is muscle related. If they can refuse particular cover for any reason they see fit then its a moot point, but if they...

We're in the process of sorting out life and TPD insurance. Mines all good, but were having issues with Emma's. Emma suffered quite bad with regular, sever headaches for a few years. In the end she went to see the Doc and they ran a few tests, ultimately putting it down to soft tissue damage...