The impact on qualifications at later points in time depends on the behavior of the individual, and your definition of consolidation. (growingfamilybenefits.com)
Any non disclosure of facts by agents in the policy could lead to rejection of claim at later point of time. (myinvestmentideas.com)
The company will ask you for these references at a later point if they are interested in pursuing you as a candidate. (livecareer.com)