Why would I be denied supplemental life insurance?
Why would I be denied supplemental life insurance?
I was recently denied supplemental life insurance. My employer provides 2 times my salary if I die but I wanted to increase it because I have two kids.
Anyway, the insurance company came to my house, took my blood pressure, listened to my heart, took blood, urine, etc. I had ironically just had a physical exam one week prior with all the same stuff and was told I was perfectly healthy. I have always been a very healthy person and am only 32 years old!
Can anyone give me reasons why folks are denied supplemental insurance? Thanks!
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One Response
2.1.2010
Best Answer – Chosen by Voters If underwriting applies to this supplemental coverage, then the insurance company has the right to decline coverage for medical reasons if they find some condition that they feel puts you at a higher risk. There are a myriad of reasons that they could find, given the exam that you had. I would suggest that you ask them to forward the results of those examinations to your physician so that he can better explain them to you. They may have found something that your physician did not. That is highly unlikely. It may merely be their interpretation of the results. Source(s): Certified Insurance Consultant – Life/Health, Connecticut