I was not satisfied with the health screening process and lack of flexibility. It is not the fault of the employee, they are following instruction. I found out that one of the questions relating to current health issues may have been wrongly interpreted by me which resulted in a 200% increase in premium. When I called the office to resolve this matter, I was informed that it was now in their system and would remain on file indefinitely as my statement could not now be amended or removed. When I asked whether I could talk to someone more senior, an underwriter or an independent arbiter I was advised that their rules were set by an independent panel of medical practioners and couldn't be changed or contested. Consequently I may be paying too high a premium because of their inflexibility around "their System".