I have been declined Life Insurance previously, is there anything I can do?

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I have been declined Life Insurance previously, is there anything I can do?

Answer:

The insurance industry is constantly changing its underwriting standards and there are plenty of people who were previously declined insurance who can now have it. Many people are declined insurance because they have placed an application with an insurer who does not look favourably upon their health history. We know full well not to place anyone with a history of depression with Insurer X because they will be declined. But Insurer Y, will have no problems accepting them.

Factors such as high BMI, diabetes, HIV, cancer, strokes, heart attacks, can all be looked at by different insurers in different ways. There is no one insurer who is the best at everything.

The competitive nature of insurance providers and medical advancements, means that there are regular improvements to their client acceptance criteria, so it is well worth placing an application forward. The way we see it, there is no harm in asking.

Client Reviews

I have been declined Life Insurance previously, is there anything I can do?

"Alan and his team were great! Alan helped get me cover where my own company could not (I work in financial services too!) Would highly recommend and will come back in the future."

"Krystle was fantastic throughout and managed to knock almost 50% off my current life insurance premium."

"Leanne couldn't have been more helpful and thoughtful with her questions and work on my enquiry."

"Kathryn and her colleagues were very helpful because of my recent illness."

"Nick was my advisor, Excellent knowledge of products and what I needed, not just pushing me into a sale/policy, will always refer to him in the future."

"I would like to say a very big thank you especially to Amy you really went above and beyond."

"Annaliese was absolutely fantastic, making us both feel at ease and helping us navigate issues that had caused us problems with previous attempts to obtain insurance."