Why do insurance companies ask so many questions when I just want to get cover?
Risk insurance (life, medical, income etc..) is very different than car insurance. With car insurance if you were driving a Honda Civic, sell it and buy a Subaru Impreza turbo the insurer can and will increase cost, maybe increase excess and/or not even agree to insure you. This is because the risk of accident and theft has increased due to the type of vehicle With risk cover once you are accepted by the insurer they cannot increase the cost, restrict your cover or cancel your policy if your health changes. This only occurs if you change company or add cover. They ask all the medical questions because they want to not only assess your health now, but also in the foreseeable future. So there may be blood tests required, additional questions and documents due to this. This is why it is important to get cover early, consider future needs and weigh carefully about moving to a new provider.