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Originally Posted by intuition897  Am I hearing this right? That I need to potentially jeopardize my health (by not disclosing pertinent information to my doctor) to avoid the risk of my insurance company not paying out for life insurance if, God forbid, anything should happen to either of us? Is that correct? |
When I talked life & health insurance in my post specifically, I am talking about it from an underwriting point of view - the decision whether or not to insure someone in the first place.
If you had life insurance and died in a car accident, the policy would pay in most instances - your swinging, if discovered AFTER a car accident, most likely would not be a factor as to the claim settlement, unless there was a question on the life insurance application regarding sex practices that was not answered honestly that may void the policy for material misrepresentation.
Now, if I've applied for health and/or life insurance, and my medical records are obtained, it is within the realm of possibility there may be an issue underwriting either policy, or it may impact their rates. If a life or health insurer can provide actuarial justification that any practice a person may have makes that person a risk not in the insurer's favor, you can bet it's in their underwriting rules and in their rates. Do I know this for sure? No - I don't have my life or health insurer's underwriting rules. But it's feasible enough that I just separate the sexual health testing from my regular MD visits by using the city clinic.
Doesn't make it right, though. One should feel comfortable disclosing to their health care provider. I don't - not because of a lack of trust in my MD, but because I don't want any reason to be declined or charged higher rates for health or life insurance and I like my privacy.