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Nothing has to be "wrong" per se. There can be a variety of conditions, both medical and non-medical, that render a person "uninsurable" as far as a life insurance company is concerned. Some examples of non-medical conditions in play could be multiple occurrences of DUI or reckless driving, employment as a pilot or other aircraft flight crew, active military service, etc.
Some examples of medical conditions that could render you uninsurable include serious afflictions in your medical history such as cancer, Heart disease, stroke, AIDS, etc.
Generally speaking, when you are denied a life policy the insurance company will usually explain exactly why they have declined you, but if that information hasn't been provided to you, don't hesitate to ask.
Further, all insurance companies have "underwriting guidelines" which define the metes and bounds of the risks that they are willing to assume. Therefore, just because you got denied by one insurer does not in itself mean that you are totally uninsurable. There may be others with more lenient underwriting guidelines that will insure you.
Due to the medical condition or lifestyle-related reason for which you got denied, you may be required to pay a higher premium by any company that ultimately accepts you. This is called being "rated-up", and the rate-up may be permanent, or the insurer may allow reconsideration after the policy has been in force for a time so that it comes more in line with "standard" rates.
What else can I help you with?
What is a disabled driver insurance company in Pennsylvania?
I would use nationwide, you cant go wrong with those guy. I love them so much. They have you insured for everything. I use them all the time. They even reduce your ticket price.
How long does a life insurance policy have to be in effect where it cant be questioned?
Refer to the Incontestable Clause in your life insurance policy. The Incontestable Clause states that after the policy is In Force two years, the company cannot void it because of misrepresentation or concealment by the insured in obtaining the policy.
If you are renting your home and living with your boyfriend at his home why won't your insurance company cover your home?
It is possible that you have to be occupying the house to be covered by insurance. They see it as unprotected by the owner and anything could happen to it. I cant possibly be the first person to try and insure a property Im not occupying. Homeowners insurance covers your home, and a house you are renting to someone else is not your home. It can be insured, but you need a different policy.
What if it wasn't my car and the old insurance card was in the car and they sold the car cant remember what insurance company they had?
I think you can renew the old insurance. If you have the card then maybe you can identify what insurance company it is. You also have another option to have your new insurance from another automobile insurance firm. I hope this peace of information will help you.
If an uninsured driver wrecks an insured vehile what happens when it is consider no one's fault in the wreck?
This is often a means for the insurance company to cash in on both sides of the claim. If the uninsured driver caused the collision then they need to be charged by the police or the party who was hit needs to request charges pressed against the party at fault and this needs to go through court, in the mean while the insurance company needs to be told that they cant proceed until the trial is completed and a judgment handed out by the courts. In the case of one State or Province having one insurance company this is often done to settle claims faster and double end the cost to two drivers or two insured parties. There is no such thing as a no fault motor vehicle incident, someone is always at fault and the police should be involved so that no one gets hosed by the insurance company. Dont settle call a lawyer
What happens when you pay off an auto loan?
the bank cant come and steal it. but the insurance company can if you dont pay that
Will the parents' liability insurance cover a minor child who has not been added to the policy.?
Liability insurance usually follows the vehicle not the driver. (unless the driver was specificly excluded in this case it cant happen because he's your son). As long as the car was insured and he was given premission to drive it, the insurance will be valid in court * Not necessarily. Insurance coverage varies greatly when it pertains to minors living in the household of the insured. If one is lucky enough for it to apply you may be certain that premiums will significantly increase.
Why cant you get your aftermarket radio out of your car at the tow truck company yard if your car is totaled?
Once you sign that paperwork, you agree to relinquish the vehicle to the insurance company as is.
Why cant you play battlefield bad company 2 online?
I can i don't know whats wrong with your internet connection.
What will happened to the insurance member if the owner of the insurance company commit suicide?
An Insurance company cant commit suicide. So, I am not sure what you are trying to ask here. If you are asking about, what would happen if the insurance policy holder commits suicide? In that case too, nothing will happen. The insurance company will not pay any money to the deceased persons family. Insurance claims can be made only if death occurs by accident or natural causes. Not suicide.
Can you add your granddaughter to your health insurance even though she doesn't live with you?
actually no ..sorry .you cant unless your her legal guardian.. *additional* chances are no, it depends upon your individual insurance company. my advise is to call your insurance representative and ask
How long does a person have to have a life insurance policy so that the insurance company cant question it?
Typically, once a life insurance policy has been in force for two years, it enters a period known as the contestability period. During this time, the insurance company can question the validity of the policy or any claims made. After this period, the policy is considered incontestable, meaning the insurance company cannot dispute its validity based on misrepresentation or other factors.
