The Medical Adviser in Life Assurance

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But as time wore on and the conditions of the contract became better understood, it was found that neither party was in a position to value the data upon which it was to be based, unless the state of health of the applicant and the various contingencies bearing upon his prospect of life were duly estimated. The physician now became an essential aid in the furtherance of life insurance business. Ifc soon became apparent that although he might be fully competent to arrive at a satisfactory result... by any method of examination that was most convenient to himself, it was necessary for future reference, as well as to enable the Board to form an opinion upon the various points at issue, that his reports should be made in a definite and uniform ^manner. Hence all offices now require the examination to be conducted according to a certain rule ; and a fixed series of questions are issued, so that a record may be at hand which establishes both the bona fides of the policyholder and the manner in which the inquiry into his health was made.

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