IFAs should ask medical questions - Werth

According to Martin Werth: "If an IFA is qualified to give advice, he is more than qualified to ask the underwriting questions." Advisers often opt against making even basic medical enquiries because they may be liable if any mistakes surface at the claim stage. Consumers may also feel uncomfortable disclosing personal details. But Werth says asking the "right question in the right way" will ensure advisers and their clients remain protected. Fortis Life UK, and other insurers, provides guidelines and a list of questions on its website for advisers to relay to applicants. "Is ‘H...