Most of the time, the reason why people buy life insurance is because of the silent fear that is always loitering around us– what if I suddenly die? Unless you can see right to the future, more often than not, you are fearful of what could happen next. People die every day. Accidents happen every time. Thousands are diagnosed with severe medical conditions daily.


Who knows when is your unlucky day, right?


To remedy the negative repercussions of an uncertain future, the concept of life insurance emerged. Depending on the policies of your life insurance, you can rest assured that if the inevitable happens, the people who are most dear to you are covered.


It serves as a guarantee in case something happened to you.


Those who faced more danger than most people fall into the ‘impaired risk market.’ Essentially, this entails that your risk is ‘impaired.’ There’s something in you that increases your chance to die early.


Health complications like a cancer diagnosis, severe tuberculosis, previous stroke records, and diabetes can make an insurance company have second thoughts on whether to approve your insurance application or not. Ultimately, falling into the ‘risk impaired’ category can lead to your life insurance to get denied.


Your life insurance table ratings are based on factors like previous criminal activities, dangerous hobbies, prior conviction record, hazardous work conditions, and financial incapacity.


When your insurance application gets denied, it is only reasonable to feel upset and disappointed. Perhaps, you feel betrayed? However, do not let these feelings affect your mental clarity.


Here are three things that you should do when your insurance application gets denied


  1. Know why your insurance application gets denied


An insurance company or insurer will gather a lot of information from a variety of sources first before they reject your application. They do this to gauge or assess your risk as a prospective customer. Depending on your risk, your application can be postponed, rated, or at worst —be denied. To clarify the reason why an insurer denied your application, you should request additional information.


When an insurance company accepted your request, the carrier will present the necessary information on why your application was rejected whether it was because of your present examination results, previous conviction record, impaired medical history or something else.


  1. Verify the result


To ensure that there was a legitimate reason regarding the rejection of your insurance application, confirm if the data that was given to the underwriter is correct. When the results of your medical examination are poor or impaired, authenticate it with a registered physician. More often than not, an insurance company can deny an application solely due to new or undiagnosed laboratory results—even if the cause of concern is shallow.


  1. Get a professional agent


When push comes to shove, the primary thing that you must do is to seek professional help. Even when you spend endless nights and days to thoroughly research an insurance company that is most suitable for you, it does not mean that you can automatically apply for the top insurance company.


Getting an agent to work for you will significantly alleviate the weight off your shoulders. Moreover, an experienced agent can look into far better choices and alternatives.