Insurance underwriting process

Personal insurances that insure death, disability, income protection and critical illnesses work a little differently to health insurance. It’s not simply a right to apply and be granted insurance – insurance companies that offer personal insurances have the right to assess you as a risk (to them) of making a claim, and it’s important to have a good understanding of the process and possible outcomes to avoid what could otherwise become a very frustrating process.

Hewison Private Wealth is a Melbourne based independent financial planning firm. Our financial advisers are highly qualified wealth managers and specialise in self managed super funds (SMSF), financial planning, retirement planning advice and investment portfolio management. If you would like to speak to a financial adviser on how you can secure your financial future please contact us 03 8548 4800, email or visit

Please note: The advice provided above is general information only and individuals should seek specialised advice from a qualified financial advisor. The views in this blog are those of the individual and may not represent the general opinion of the firm. Please contact Hewison Private Wealth for more information.