Non-disclosure is like global warming

When we undertake studies into non-disclosure, we find when we tele-interview existing applicants (who have already completed a paper application form or electronic submission) there is 70% non-disclosure, meaning in 70% of tele-interviews we gather information which should have been disclosed on the paper application/on-line form. Much of this is innocent non disclosure, but 30% of the tele-interviews do reveal material non-disclosure – where it changes the final underwriting decision. Another way of looking at this is that 70% of cases have incomplete information on paper application/on...