When would special reports be necessary?

In both cases, special reports are necessary. If the insurance is being proposed for the first time after 50 years of age, there is a need to suspect moral hazard and enquire about why such insurance was not taken earlier. We must also note that chances of occurrence of degenerative diseases, like diseases of the heart and kidney failure, increase with age and become high at older ages.
Life insurers may also seek for some special reports when proposals are submitted for high sums assured/advanced ages or a combination of both.