Denied Life Insurance at Life

Denied Life Insurance. In order to get there, it’ll first help to explore some of the inner workings of life insurance in a way that you don’t have to be an actuary to understand, before digging into some common reasons a life insurance application may be declined. You have the right to review the reasons you were declined life insurance.

Take this opportunity to try losing weight or lowering your blood pressure or cholesterol if you need to. A licensed insurance agent who works with many insurers can help you apply to the ones that offer the best chances of approval. A denied life insurance application means that an insurance company may see your health history or lifestyle as too risky to insure.

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Let’s take a look at how and why you can be denied and what you should do if you are. Sometimes when you’re denied life insurance, you need to proactively play the waiting game to give yourself some time to correct any health issues that caused the denial. However, it’s worth asking a representative for the reason you were declined, since mistakes happen or. If there is no beneficiary named, the policy must pay the estate of the deceased individual, which can cause delays in getting the payment into the desired beneficiary’s hands.