The Reasons for Being Denied Life Insurance

Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Reasons for Being Denied Life Insurance

  1. Health Conditions: Severe or chronic health issues like cancer, heart disease, or uncontrolled diabetes.
  2. Age: Being too old, as most insurers have age limits.
  3. Lifestyle Choices: High-risk hobbies (skydiving, scuba diving) or occupations (firefighting, mining).
  4. Substance Abuse: History of alcohol or drug abuse.
  5. Criminal Record: A criminal background, especially involving felonies.
  6. Financial Instability: Poor credit history or bankruptcy.
  7. Travel Plans: Traveling to high-risk countries.
  8. Policy Application Errors: Inaccuracies or lies on the application form.
  9. Previous Insurance Denials: Being turned down by other insurers.
  10. Mental Health Issues: Severe mental health disorders.
  11. Risky Behavior: Reckless driving record or DUIs.
  12. Family Medical History: Genetic diseases or family history of severe health conditions.
  13. Smoking Status: Being a smoker or using tobacco products.
  14. Poor Driving Record: Numerous accidents or traffic violations.
  15. Military Service: Active military duty in conflict zones.
  16. High Body Mass Index (BMI): Obesity or extremely high BMI.
  17. Limited Life Expectancy: Terminal illnesses or very poor health prognosis.
  18. Lack of Financial Justification: Insufficient economic reason for the insurance.
  19. Insurance Fraud History: Previous attempts to defraud insurance companies.
  20. High-risk Travel or Residence: Living in areas with high mortality rates or constant travel to dangerous locations.
Reasons For Being Denied Life Insurance

How We Can Help

At The Annuity Expert, we understand the complexities and challenges you face when applying for life insurance. With 15 years of experience as an insurance agency, annuity broker, and retirement planner, we specialize in finding the best solutions at the lowest costs.

Our expertise allows us to navigate the hurdles of life insurance applications effectively. We recognize the symptoms of the core problem—denial due to perceived risks—and know how each factor can emotionally impact you. Our personalized approach ensures that your unique needs and circumstances are addressed, making you feel valued and understood.

We stand for providing you with the best possible options tailored to your specific situation. Our goal is to help you secure the coverage you need without unnecessary stress or confusion.

What We Recommend

  • Step 1: Initial Consultation Contact us for a free consultation. During this step, we will discuss your needs, review your application history, and identify potential issues that may lead to denial. The main benefit is gaining a clear understanding of your situation and the factors affecting your application.
  • Step 2: Customized Application Strategy We will create a tailored strategy for your life insurance application. This involves addressing potential red flags, providing accurate information, and leveraging our expertise to present your case in the best possible light. The main benefit is a stronger, more persuasive application that improves your chances of approval.
  • Step 3: Ongoing Support and Advocacy Throughout the application process, we provide ongoing support and advocacy. We communicate with insurers on your behalf, ensuring that your application is given fair consideration. The main benefit is having a dedicated expert in your corner, increasing the likelihood of a successful outcome.

Features and Benefits

  • Personalized Advice: Tailored recommendations based on your unique situation, ensuring the best possible outcomes.
  • Expert Advocacy: Professional representation to insurers, enhancing your application’s strength.
  • Comprehensive Support: Assistance throughout the application process, reducing stress and increasing confidence.

Common Objections and Arguments

  • “I can’t afford it.” We work to find the most cost-effective solutions tailored to your budget.
  • “I’ve been denied before.” Our expertise in handling previous denials gives you a better chance of approval.
  • “It’s too complicated.” We simplify the process, guiding you step-by-step to ensure clarity and ease.

Failing to secure life insurance can leave you and your loved ones vulnerable. By working with us, you gain peace of mind knowing that you have taken proactive steps to protect your future. The internal feelings of security and relief from successful outcomes are invaluable.

Contact us today for free advice or a quote, and let us help you navigate the life insurance application process with confidence and ease.

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Shawn Plummer, CRPC

Chartered Retirement Planning Counselor

Shawn Plummer is a Chartered Retirement Planning Counselor, insurance agent, and annuity broker with over 14 years of first-hand experience with annuities and insurance. Since beginning his journey in 2009, he has been pivotal in selling and educating about annuities and insurance products. Still, he has also played an instrumental role in training financial advisors for a prestigious Fortune Global 500 insurance company, Allianz. His insights and expertise have made him a sought-after voice in the industry, leading to features in renowned publications such as Time Magazine, Bloomberg, Entrepreneur, Yahoo! Finance, MSN, SmartAsset, The Simple Dollar, U.S. News and World Report, Women’s Health Magazine, and many more. Shawn’s driving ambition? To simplify retirement planning, he ensures his clients understand their choices and secure the best insurance coverage at unbeatable rates.

The Annuity Expert is an independent online insurance agency servicing consumers across the United States. The goal is to help you take the guesswork out of retirement planning and find the best insurance coverage at the cheapest rates

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