Breathing easier

Respiratory disorders are among the most common conditions that underwriters see disclosed on proposal forms. When an applicant states that they have, or have suffered from, a respiratory problem, the underwriter will need to obtain further information regarding the condition. This information might be obtained by asking the applicant to complete a 'respiratory disorders questionnaire'. In some instances, it may be necessary to obtain a private medical attendants report (PMAR) and special questionnaire from the client's GP. If the condition appears to be severe or if information is lackin...