Adler Insurance in Prescott, Cottonwood, Camp Verde, and Sedona | Life Insurance, Medicare Insurance Agent
 
 

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What You Should do After Getting Denied Life Insurance

It’s tough to learn that the life insurance company you applied to will not be offering you coverage, especially if you were fully expecting a yes!  We help consumers figure out the next steps on signing up for life insurance.

  

You may fall into the “impaired risk market,” which means you have something in your background that makes you a higher risk of dying prematurely.  While many applicants with this type of history understand they’re up against a hurdle or two, it’s not any easier to be denied life insurance coverage. But, often times, it doesn’t mean the hunt for an approval is over.  Adler Insurance seeks to help provide clarity on the steps to take after getting denied life insurance. 

 

Here are three actionable steps you should take if you’ve been denied life insurance:

 

Collect information. Before an insurer denies an application, they collect lots of data from several sources to evaluate your risk. If the risk is high enough, you are either rated, postponed or denied. In any of these circumstances, requesting more information on the reason for denial is your right. 

 

Confirm the results. Errors can happen. Wires can be crossed. Double check the data that was provided to the underwriter. If poor exam results were cited as the cause, confirm it with your primary care physician. In some cases, a company may simply deny coverage because of new, undiagnosed lab results, even if there is little cause for concern.

 

Work with an agent. Even with proper research, the first company you apply to isn’t always necessarily the best. Passing along detailed information to an agent can allow them to search for better options. A well-trained high-risk life insurance agent can assess information thoroughly and find a better fit for you.

 

If the root cause for denial is too great, a different type of life insurance policy altogether may be the last resort.  Give us a call at  928-710-1455

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