Life Insurance Refused on Medical Grounds

Here are some key points you could take into consideration when applying for life insurance:

• Life insurance can be refused on medical grounds – Your medical history may count against you when applying for life cover. The insurer may see you as a higher risk due to your health or pre existing conditions. This can be a subjective area where different insurance companies apply different criteria to different conditions so if you have been refused life cover by one insurer there still may be other insurers who will be prepared to offer terms.  In getting cover you may be required to undergo a medical examination by the insurers nominated doctor.
• Life insurance can be refused on occupation grounds – this is rare but some occupations are inherantly dangerous. If you have been refused cover because of your occupation again it is a case of shopping around for an insurer who will offer terms.
• Life insurance refused on other grounds – If you partake in “extreme” sports or hobbies some insurers will not be prepared to offer insurance. There are specialist insurers who provide cover for many extreme sport activities.