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None. First of all, the client is given a medical exam, depending on the amount of insurance being bought. If the defect is found, the client (assuming he is 18 and over) is not insurable and in all probabilities, will not be insured by the company.
However, second, if the client passes the exam and does not know of the defect, there is no record of the defect, and the client was absolutely honest, and the medical examiners don't detect a problem, the client is insured. The premiums are what the premiums should be.
Third, if the defect is found to exist AFTER the first premium, there is no reason for the company to change the life insurance premiums. It was their responsibility to detect the defect, and who's to say that the defect didn't, in fact, occur AFTER the policy was delivered?
What else can I help you with?
What is congenital spinal defect?
Congenital means existing from birth. A congenital spinal defect is a spinal defect that a person is born with, such as, for instance, Spina Bifida. Spina Bifida is not the only congenital spinal defect that exists.
Is spina bifida a congenital defect?
Yes. A congenital defect is one the baby is born with, so spina bifida is a congenital defect.
What does Congenital heart?
"Congenital" means present at birth. So, a congenital heart defect is a defect (structural anomaly) that is present at birth. 1 in 100 babies are born with a congenital heart defect.
The condition known as is a congenital defect?
a congenital defect is one that a person is born with.
What is the condition known for congenital defect?
congenital osteoarthritis
Is a congenital defect?
Exists from birth.
What is congenital defect?
Exists from birth.
What is a congenital defect of the feet called cluster toes?
the congenital defect is swollen feet. Ur toes look like sausages!
What is a congenital defect that results in the abnormal positioning of the urinary meatus?
Epispadias A congenital defect that results in the abnormal positioning of the urinary meatus
How did Congenital Heart Defect get its name?
Congenital Heart Defect is a descriptive name. Congenital means present at birth. Defect means a structural problem or abnormality.Specific defects, combinations of defects, and surgical repairs are often named after the doctor who discovered them.
Use congenital in a sentence?
A congenital heart defect is a problem with the structure of the heart.
A birth defect is also known as a?
The term you are probably looking for is "congenital defect."
