What will disqualify you from getting life insurance?
Securing an individual life insurance policy depends heavily on underwriting guidelines that evaluate overall mortality risk, health status, and lifestyle habits. Factors that can result in an outright denial or prohibitively expensive premiums include severe chronic medical conditions such as advanced heart disease, active malignant cancers, unmanaged diabetes, or terminal illnesses. Additionally, dangerous high-risk personal hobbies like professional aviation, skydiving, or rock climbing, a history of substance abuse, reckless driving records, or certain high-risk international travel plans can disqualify an applicant from standard coverage.
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