 My travel insurance co refused to pay my claim, because they said they did not believe the amount I claimed ? |
| had been stolen. They accused me of fraud, by saing the amount was higher than it really was, and refused my claim. I had a police report. Is this common for them to do this and is it worth telling W... |
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 Can a person be denied for a life insurance just because a of past drug addiction? |
| 2 years ago i was arrested for possesion and use of illegal drugs i did 3 months and jail went into rehab for a year, I have been clean and sober for 2 years and few months, I recently try to get a L... |
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 Is the landlord responsible if you have a electrical fire and you have no rental insurance in New Jersey? |
The smoke detector's wiring caught fire. The firefighters said the whole electrical needs to be done.
Additional Details
In this sense I'm wondering if the landlord's ... |
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 Does homeowners insurance cover renters property if property is damaged by the house? |
storm caused power surge and because house is not grounded surge destroyed renters property
Additional Details
we just learned that the house was not grounded, electricians say its the ... |
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 When i apply for a Identification card, will DMV take a copy of my birth certificate? or do they need original |
| because i do not have my original all i have is a copy of it, but i know my ss number, and i also do not have the original of that either just a copy.... |
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 Has anyone here taken the insurance license exam? |
| Is it hard? I'm studying right now, but I'm nervous if it's a hard test?!... |
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 5 yrs ago my mom lied and said she had insurance, I had an accident now I'm being sued. Who pays? |
| I turned 18 5 yrs ago, my mom bought an old taurus and said I couldn't drive it until she had insurance. She started letting me drive it to work about a month after I turned 18. While picking my ... |
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 Does my insurance cover this crazy incident with Oprah? |
so... i accidentally spilled some mayonnaise on oprah's silk shirt, but she doesn't know yet since i took her glasses. where can i get insurance to cover this problem?
question ... |
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 Can anybody recommend a good HEALTH insurance company? We can't afford our employer's plans...? |
| We just got out of the military and no longer have tri-care benefits. Our employers charge well over $500 per month for a healthy family of 3 (2 20 somethings and a 1 year old). Unfortunately, we ... |
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| What is the best type of health insurance for my wife and I during her pregnancy? |
| My wife is pregnant and we are looking for coverage while I am in-between jobs. We don’t qualify for access because my wife will make too much and COBRA is expensive but it is the only option that ... |
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 Does anyone have a good homeowners Insurance agent I need one,? |
| I need some homeowners insurance anyone have a good agent ..... |
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 My son flushed my wedding rings down the toilet will state farm insurance cover that under our homeowners ? |
| I had my rings on the stand next to the toilet and sink in our master bathroom. I went into the bedroom tog et something and I hear the toilet flush and when I went in there to see what he was doing ... |
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 My bank is driving me nuts ? |
| can the banks do this if i have say £2 in my account and i have a direct debit of £30 to be paid can the bank pay the direct debit and make me go overdrawn then start charging me £15 a day is this ... |
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 Have you ever worked with or used Primerica for personal finance needs? |
| I recently went to a presentation for Primerica and had an interest in starting as a part time agent. I would love to see if anyone has had any personal experience that they could share that might ... |
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joe b | What makes a person uninsurable? |
regarding life insurance, what makes a person uninsurable? would a previous surgery do that? what about any illness, would any illness make you uninsurable? |
 |
 
pepper
|
Yes. Chronic medical conditions. Cancer. Risky entertainment or thrill-seeking activities can make you uninsurable or cost you a bundle more. Alcoholics. Drug addicts.
It depends on the company - you can always go through another company, underwriter or agent who specializes in impaired risk cases. There are also "survivorship" life insurance policies that will insure the lives of two people even if one is considered uninsurable. |
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TheInsuranceExpert
|
Below Are Some of The Basic things that can make a person un-insurable. This however is not common.
Health condition (s)
Risky occupation (s)
Pre- existing condition (s)
More Information On this can be found at: http://InsuranceGuidePlus.com
Unlawful Act (s) |
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mbrcatz
|
Well, TECHNICALLY, if you want to PAY enough money, NOTHING makes you uninsurable. If you want to pay 10% over the face value of the policy (ie, if you want $100,000 of coverage, and are willing to PAY $110,000 for it), someone will sell you that policy. It's only effective for TAX PURPOSES.
Most of the time, people aren't "insurable" at rates THEY WANT TO PAY. If you have had CANCER, you're not going to get favorable "odds" (which means, premiums at a fraction of the payout). If you have AIDS, if you are obese, if you are grossly underweight, if you have a history of drug and alcohol abouse, you are going to have to pay close or over face value.
If you have heart problems, very high blood pressure, if you're over 55 or 60, if you're diabetic, you're not going to get good odds.
If the insurance company looks at your health, and it's foreseeable that you will die over the next 15 years (due to problems you've already had, or your age, or your hobbies, etc), you will be "uninsurable" unless you want to pay through the nose for insurance. Which most people don't want to do - they want $100,000 coverage for $1,000 a year or less. |
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aaron p
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Cancer and heart disease do not make you uninsurable. Other things that don't make you uninsurable: Crohn's disease, MS, Lupus, high blood pressure, gout, diabetes, arthritis. It's your level of control over these situations that makes you uninsurable. Underwriting questions were one of the most common questions I would receive from other agents. I have seen declines from one company turn into a standard offer from another (This case was valvular disease on a 56 year old male). I don't care what any one company has to say if your risk was not placed well to begin with. |
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Insurance
|
Health condition
- heart attack, stroke , cancer , kidney problems
Risky occupation
- which covers under diffrent kind of insurance
Pre- existing conditions
- some insurers may still accept it but with certain exclusions imposed.
Unlawful Act
- commiting crime |
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Common Sense
|
I've got serious Heart Disease. I've been official rejected by two companies.
Any illness / disease that would be considered life threatening or life shortening would disqualify you from life insurance. |
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Makotto
 |
There are two things that can make a person uninsurable:
Medical Conditions: Unfortunately you do not have control over them, conditions like diabetes, cancer, chronic heart diseases, and others can make you lose your insurability.
Behavioral Choices: You do have control over these. Things such as comminting crimes, ingesting illegal substances will make you lose your insurability. It also depends on the company, some of them even look at DMV records!! |
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Yo' Mama
|
If you have a pre-existing condition that would predispose you to an early or untimely death or if your occupation has a high level of risk (astronaut, example) you are not considered a good risk for many life insurance companies. When the actuaries consider your health, age, occupation and other factors, they can mathematically establish the odds of you dying sooner than later. That helps them decide if you meet their criteria for coverage. If you're a 400 pound, 70-year-old man with prostate trouble, heart problems and diabetes and you have a skydiving hobby, you're unlikely to get coverage. |
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Anne
|
cancer,heart disease |
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mburleigh8
 |
Usually an injury or illness, that needs ongoing medical attention, including medications. |
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