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In September 2008 my husband took out a Life Insurance he went to Dr Rout for a medical his walker would not work so he had to work up and down the stairs the underwriters wanted him to go for a heart examination he went to the heat Sergeon who said he did have an aritmia but wasn't serious. the underwriters would not take the specialists report but took the doctors and upped our payment by 40% last year we wanted to increase the amount on death so he had to go to another heart Specialist this time the underwriters accepted that the arithma was not hedangerous but that his psa level was dangerous and he was sent to Dr. A Jansen a ulrologist my husband had to have a biopsy only to be told that all was okay they have upped our premium to over R7000. pm what happened to all thee 40% they overcharged us for all the years when ALL THE SPECIALISTS said he was okay they have ****** us