Explaining the exclusion added by the insurer

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Reference no: EM133873022

Assignment:

Yamina takes out an individual disability insurance policy. The application mentions a benefit of $3,000 a month for a maximum of two years with a waiting period of 30 days. Yamina does not smoke and, apart from taking anti-anxiety medication, her overall health is good. After evaluation, the insurer approves Yamina's application - but appends an exclusion rider for her anxiety problems. When the agent meets with Yamina to give her the policy, she mentions that she had a mole removed the week before for cosmetic reasons. While Yamina's dermatologist does not think the mole is cancerous, he nevertheless asked for it to be analyzed to be on the safe side. Yamina is waiting for the test result.

What should the agent do?

Give Yamina the policy straight away, since her application has been approved.
Give Yamina the policy, explaining the exclusion added by the insurer.
Return the policy to the underwriter for immediate cancellation.
Return the policy to the underwriter, mentioning Yamina's recent surgery.

Reference no: EM133873022

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