The six reasons why you are applying for life insuranceThe most common reason why people did not take part in the life insurance is that there is a specific medical condition, but that’s not the only reason. Close the top and tell me which options you have.You have a certain state of health.
For example, breast cancer or heart attacks may recently be rejected in traditional life insurance contracts. Still, there are people who do not have life insurance for health reasons, just after contacting the wrong insurance company.Not all life insurance companies are engaged in high risk life insurance, so in case of health problems like diabetes, in cooperation with a risky life assurance company, the best behavior policy If you use a life insurance policy, you must be approved. If you can not get approval for traditional policies, you may have options like a gradual payment death penalty policy.2. You are involved in high risk activities. Most insurance companies guarantee diving, but it depends, for example, on the type of diving (open water from cave diving), number of annual dives, dive sites and dive depth.
Some insurance companies do not want you to ensure you are traveling abroad or living in another country for a certain amount of time per year. The soldiers who are actively deployed may have difficulties in obtaining a license for insurance if you do not work with a particular insurance company.3. There are certain financial reasons.
To get a life insurance license, financial justification is needed. For example, a person who earns $ 25,000 a year can receive insurance payments in the amount of 10 to 30 times annual income depending on age, so the probability of a life insurance of $ 1 million. If your husband does it without income, you can usually get the same reward as and your spouse. If there is no income and you can not justify the financial need for life insurance, you may be denied in relation to life insurance contracts.You filed bankruptcy. Chapter 7 If you apply for bankruptcy, you are usually not entitled to a fee for at least 12 months.
However, if you are in the middle of bankruptcy proceedings in Chapters 11, 12 and 13, you can get a fee for paying regular debts.5. You have a DUI (movement under influence). If you have received three or more DUIs in the last 10 years, all insurance companies will refuse you. However, if there are one or two DUIs in the last 10 years, some insurance companies will take you, and other insurance companies will be reduced.
If you depart for DUI, you can contact the wrong insurance company.If you are currently abusing drugs or alcohol, you will be denied life insurance. However, if you’ve been without drugs for more than three years, or have stopped taking alcohol more than two years, you can get a license for life insurance.You have criminal records. The difference between statement and rejection usually depends on several factors.
First of all, how long have you been condemned after you have been convicted? If you commit a number of criminal criminals, you will probably be denied. However, if you commit a serious crime or one or two violations, you may be entitled to insurance, depending on the period of the trial period.If you are faced with any of the above situations, working with high risk life assurance experts is the key to obtaining a life insurance certificate.