How about this for a plan.

Firstly - can you get the insurance cheaper now? Premiums have fallen over the past few years.

That gives you a reason to get new insurance.

Then, use a broker that can arrange insurance with company that operates tele underwriting - I can suggest one - I'm sure there's a way of messaging me - I won't be suggesting me by the way before the advert police jump on me.

With the teleunderwriting I have in mind - the insurance company will phone you and ask the health questions, rather than you completing a form. Much more confidential.

Adrian

EDIT - can't see any way you can message me - that's tricky

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Hi --- Could you not secretly enclose a confidential letter inviting and giving your written signed permission to the life company to contact your GP (also inform your GP) in confidence for details to be made available from your medical records. ?

Obviously you would have to make them fully aware that this information is to remain confidential under the data protection act and no reference must be made to the condition in any future correspondence from them, they will either decide to accept you based on this information...or if they so choose have the right not to accept your proposal.

*** And also consider the above advice. !

the only one piece of advice i can give you for a long and happy marriage is to be completely honest with your WIFE !

Recommendations: 0 Hi,

In have joint life cover with my wife. I have suffered from herpes since I was 18 but my wife doesnt know. Obviously as we sat drafting out the policy I wasnt entirely forthcoming with this fact and 5 years down the line have children and want to make sure that they dont have a reason not to pay up on my demise.

I want to inform them, but am thinking of just setting up a separate policy in my name as a safety net where I can be completely honest in all the embarrassing question sections. I could deal with my existing policy but they refused to discuss it anonymously and I was worried to come forward in case the premium suddenly shot up, or we started to receive documentation in the post.

Any advice on this rather embarassing predicament is appreciated. Not the sort of financial advice you probably usually give out here!