Post claims underwriting is when an insurance company accepts all insurance applications as paying policy holders, without giving the opportunity to the customer to notify the insurance company of any health problems they may have before they make a claim.

Since you can imagine the devastating outcomes of this practice, it is not typically practiced by reputable mortgage protection companies.

Making sure you provide complete and accurate information ensures your underwriting is completed by the time you receive your certificate of insurance. So continue paying your premiums and you’ll receive your claim if you ever need it.