Norwich Union has commented that non-disclosure of depression, smoking, anxiety and multiple sclerosis are the most common reasons for declining life insurance claims.
Norwich believe that non disclosure is generally due to a mix of embarrassment or not wanting to face up to an illness they have.
Our view
Making a full medical disclosure is vital if you want to ensure a claim will be paid. Even if you have medical conditions, cover can generally be found for you, even if it is more expensive.
There is no point paying premiums on a policy you would not have been entitled to, had you disclosed your conditions.