<%@LANGUAGE="VBSCRIPT"%>
<%
option explicit
%>
<%
dim rsArticles, sSQL, gStr
set rsArticles = server.createobject("adodb.recordset")
rsArticles.cursorlocation = 3
sSQL = sSQL & "SELECT TOP 10 Articles.Article_ID, Articles.Article_Title, Articles.Article_Excerpt, "
sSQL = sSQL & "Articles.Article_Content, Articles.Article_Posted, Articles.Article_Comments, "
sSQL = sSQL & "Articles.Article_Images, Categories.Category_ID, Categories.Category_Title, Users.User_ID, "
sSQL = sSQL & "Users.User_Name FROM FB_Users AS Users INNER JOIN (FB_Categories AS Categories "
sSQL = sSQL & "INNER JOIN FB_Articles AS Articles ON Categories.Category_ID = Articles.Article_Category_ID) "
sSQL = sSQL & "ON Users.User_ID = Articles.Article_User_ID WHERE Article_Status = 1 AND Article_Level = 0 "
sSQL = sSQL & "ORDER BY Article_Posted DESC;"
rsArticles.open sSQL, adoConn
Do While Not rsArticles.EOF
gStr = gStr & "
" & vbCrLf
rsArticles.MoveNext
Loop
%>
<%=gStr%>
Financial factors
Where there is a request for a large sum insured compared to the proposer’s situation, then the life office may well want to look at the matter more closely.
They will want to see that this is in fact a bona fide sale and that there has not been any over selling. This is especially important where the sale have been made by their own office or their own representative. Over selling may be in conflict with ‘best advice’ under the Financial Services and Markets Act 2000. The situation may differ slightly where an IFA is involved because the IFA would retain the fact-find.
If the policy is based on the ‘life of another’ then the life office will want to see that insurable interest exists.
The underwriter must also be aware of the possibility that a higher sum insured may be part of the intention to present a fraudulent claim and life offices are co-operating with the ABI to combat such cases.
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Methods of dealing with under average lives