The best thing to do, is to accept insurance company’s offer first, then appeal later when you obtain new medical evidence. The reason is because when the offer is accepted, clients’ health can get worse, but insurance company’s offer can’t. So it prevents policy offer from becoming worse during further medical investigation period. If clients accepted the offer, but changed their mind, insurance company would refund or reduce the paid premium accordingly. It is always recommended to accept the offer first, make sure the life insured is covered, then appeal for reassessment when you have new medical evidence.
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