What are common reasons life insurance is denied?
Life insurance underwriting applications can be declined or rated up based on specific risk factors identified during medical exams and background checks. Common reasons for outright denial include severe pre-existing medical conditions, terminal illnesses, a history of dangerous high-risk hobbies like skydiving or auto racing, and active substance abuse or heavy smoking habits. Additionally, applicants may face rejections due to adverse motor vehicle records, criminal histories, unstable financial backgrounds, or discrepancies found between application statements and medical record databases.
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