Aneka Info

You are in good health and see your doctor regularly, so what you do should now that you have been rejected based on the results of medical examinations for life insurance?

The first step is not to panic. It is possible that a life insurance medical examination may reveal serious health problems, of which you unaware could have you denied in many cases insurance or just charged higher premiums because the medical underwriter found something disturbing that he or she could not explain of your medical history.

Medical underwriters classification risks specialized, and if they find something abnormal high liver enzymes or blood glucose results that are off the charts, for example, in many cases they will decrease or delay decision-making rather than involved in making an assumption about the nature of the problem and the medical risks.

"We are in the risk assessment business, not the Diagnostics company," says Dr. Stephen Zimmerman, chief medical director for American General life COS.

Their next steps

First, questions you, the insurance for the specific details of your denial-of-life insurance application. All States have laws, providing an assurance undertaking the specific reasons for all declination.

Some States allow the information directly to the applicant will be sent. In other countries must be sent by medically related reasons to a doctor of your choice. If the reason why the you life insurance were denied, laboratory work has been done as part of your application a copy of the lab work is sent to your doctor. The reason was medical report contained information, can specific reason, and possibly a copy of the report from which the information came, led to a doctor with you be reviewed.

Once you know why you life insurance were denied, go to your doctor. You and your doctor should determine if there is something wrong with your health and stories abound of life insurance applications that serious medical problems life saved the applicants of warnings. Even if all the tests come back negative, you can stand some challenges purchase life insurance in the future, if trouble is resolved.

You see, insurance companies have access to the results of your previous insurance examination by medical information Bureau (MIB), a clearinghouse of medical information that share insurer, and while you can request your MIB file, and outright errors have removed, the results of the test, although unfavourable and perhaps unexplained can be wrong.

If you continue to apply for life insurance, you probably make an argument to the insurer when it you a policy (or a directive at a better price), why even if you apply a different insurer. Fortunately, this can be not difficult.

If the life insurance company with the results of tests, which show you no medical conditions relating to the results of your insurance company medical examination can go to help a long way from any life insurance go to the able, to buy an affordable life insurance.

"The tests you have taken will allow some exclude serious illnesses the insurer", says Dr. Robert Gleeson, a Vice President and medical underwriter at Northwestern Mutual Life Insurance Co. "each negative result on a medical test I would feel better and better to a case such as this make underwriting me."

It is up to you, however, to ensure that the insurer that has information, because also cheap tests can sometimes slip through the cracks. So be sure that your doctors have sent all relevant tests on the life insurance company and the insurer white, as you apply all the doctors treated you.

You should make your case also to your insurance agent. Life insurance agents can help you plead for a more favourable policy and can make sure all your medical information to the right people gets.