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<blockquote data-quote="AndBreathe" data-source="post: 1149999" data-attributes="member: 88961"><p>As a T1, I would imagine most companies will apply a loading, to represent their additional risk. Of course the companies are interested in your past, but they are gambling on your future, and usually quite a long term future at that. I'm imagining your mortgage being 25 or 30 years in duration? </p><p></p><p>It's important you have used an independent financial advisor so that they can do the running around on your behalf. Where there are companies "known" in the industry to have significant life books (the bigger their book/customer base, the wider their risk), but all companies will flex their rates to reflect their book standing on any given day. </p><p></p><p>I'm not an IFA or FA of any kind, but I have done extensive work in the life industry alongside Actuaries and Pricing Analysts to understand how all the background of this works.</p><p></p><p>I'm sure other T1s will be able to tell you who they used, just to make sure you're covering all bases. Good luck with it all.</p></blockquote><p></p>
[QUOTE="AndBreathe, post: 1149999, member: 88961"] As a T1, I would imagine most companies will apply a loading, to represent their additional risk. Of course the companies are interested in your past, but they are gambling on your future, and usually quite a long term future at that. I'm imagining your mortgage being 25 or 30 years in duration? It's important you have used an independent financial advisor so that they can do the running around on your behalf. Where there are companies "known" in the industry to have significant life books (the bigger their book/customer base, the wider their risk), but all companies will flex their rates to reflect their book standing on any given day. I'm not an IFA or FA of any kind, but I have done extensive work in the life industry alongside Actuaries and Pricing Analysts to understand how all the background of this works. I'm sure other T1s will be able to tell you who they used, just to make sure you're covering all bases. Good luck with it all. [/QUOTE]
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