What to Do After You’ve Been Denied Life Insurance

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How to handle being denied for life insurance coverage.

You’ve recently applied for life insurance. Fully expecting to be accepted, you were shocked to find out that the insurance company has denied your application. If you’re in this position, here are some tips on how to handle being rejected for life insurance.

Collect information

Before an insurer denies your application, they collect lots of information from several sources to evaluate your risk. If your risk is high enough, you are either rated, postponed or denied. You are able to request more information from your insurer if you have been denied. This will help you understand why your application was declined, whether it was due to medical history, current exam results, driving record or something else.

Confirm the results

Errors happen. Double-check the data that was provided to the underwriter. If the insurer noted that poor exam results were cited as the cause, confirm the results 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 a knowledgeable agent

Shop around for a trustworthy team of life insurance experts. A well-trained, high-risk life insurance agent can assess information thoroughly and find a better fit for you. If they find the root cause for denial is too great, they might suggest a different type of life insurance altogether.

Do you have more questions about your life insurance policy? If so, contact the team at Lloyd S. Berkett Insurance Agency.  Located in Los Angeles, we are ready to assist you with all your insurance needs.

Lloyd Berkett Insurance

11150 W. Olympic Blvd.
Suite 610
Los Angeles, CA 90064

(310) 857-5757
(800) BERKETT | 237-5388
Fax: (310) 857-5750

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The Lloyd S. Berkett Insurance Agency, Inc. was founded in 1946 by Lloyd S. Berkett. Regarded as one of Southern California’s most successful, well-respected and innovative independent insurance agencies, ... Read More

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