Resource Blog

Goheen Insurance: Securing Legacies with Expertise and Integrity.

Premium Finance

Planning to Purchase Life Insurance? Read This Before Your Next Doctor’s Appointment

When disclosing non-medical issues, less is more.

When you go to visit your doctor, do you typically tell them about everything you’re feeling and experiencing? Many people think they should always disclose as much information as possible and use their general practitioner as a sounding board.

What most patients don’t realize, however, is that every little detail you provide is being recorded in your medical records. And those medical records can directly impact your ability to obtain life insurance.

The risk of disclosing too much!

Most people understand that serious health conditions can impact your life insurance underwriting. What you might not know, is that the most insignificant thing you think you are mentioning to your doctor, can have the greatest impact on obtaining life insurance.‍

While it’s obviously important to talk to your doctor about any medical issues that’s seriously impacting your health, or any new health-related concerns you’ve noticed, it’s often best to avoid sharing little details about your personal life.

For example, if you tell your doctor that you’ve been overly stressed at work, and you’ve been taking additional over the counter medication — or having an extra glass of wine at night — those details are an automatic red flag for an underwriter, and they may change the results of your underwriting offer.

‍On the other hand, if you have noticed an increased or irregular heart rate in response to those stressful situations, you should definitely talk to your doctor so they can help you determine if there’s a more serious underlying condition that requires treatment.

It’s a delicate balance to walk the line between personal and medical details, but try not to share anything that isn’t critical. In particular, try to avoid discussing personal details like additional challenges at home, any increases in your alcohol consumption due to stress, or dangerous hobbies that you’ve tried or even just want to try.

Bottom line, just be aware of what you are divulging to your doctors. With non-medical issues, as they say, less is more.

Post Tags :

Life Insurance, The Simplicity Company, Tips, Wealth Management


Meet Shawn Goheen, the heart and soul behind Goheen Insurance. Since the early ’90s, Shawn has been more than just a financial advisor; he has been a trusted confidant to high-net-worth individuals. His journey has led him to build strong connections with over 15 specialty lenders and insurance carriers, and relationships with 20+ banks, giving him a rare edge in navigating the often-complex financial world with ease and transparency.