First post here so hope it all makes sense.
As the title suggests I have (at the beginning of the year) been rejected for life insurance policy.
Without boring you all with the details, I applied and answered all the questions honestly including answering that i had had some numbness/cramping in my legs at that point.
The application was referred and I received a letter from the underwriter asking about any investigations/diagnosis I had had into this. I replied that I was seeing a Chiropractor who believed it was nothing more than postural and with some treatment I had indeed seen an improvement.
I then received a letter stating that the company were unable to insure me due to an undiagnosed medical condition.
At this point i visited my doctor and was sent for some tests which let to me being diagnosed with a vitamin/mineral deficiency and given high strength vits by way of treatment.
So to the questions.
1) Do i have to tell future life insurers about this refusal as I seem to find conflicting information on whether in constitutes a refusal or not.
2) If i want to buy say home insurance do i have to declare it here as well?
3) Should i go back to the original insurer and get it sorted there.
Hope that makes sense, I am needing to get life insurance sorted soon as I am buying a house but i am scared that i will never be able to get it even though i am medically fit and well.