Insurance Exam

In my previous job I handled the insurance plans for a special group in one of our ADB contract projects and I had a problem in one of the technical staff who will be turning sixty then. He requested for an insurance without test so much like a term life insurance no medical exam The insurance company didn’t approved his request and required him to undergo more than the ordinary examinations before letting his insurance application be approved. He needed to undergo several tests for the heart, blood and others just to be fit for his application. It took him several months to complete the required tests and the group’s policy was halted.