Have You Been Declined for Life Insurance? Here’s How You Can Still Get Covered
Being declined for life insurance can feel discouraging – but it doesn’t mean you’re out of options. Many people face rejection from certain insurance companies due to medical history, lifestyle factors, or age. However, that’s exactly why working with an experienced, independent life insurance broker – like The LifeGuy – can make all the difference.
I specialize in finding coverage solutions for people who have been turned down before. With over 20 years in the industry, I’ve helped clients secure policies despite having pre-existing conditions such as cancer, diabetes, heart disease, stroke, multiple sclerosis (MS), and more.
Can You Still Get Life Insurance After Being Declined?
Absolutely. While a recent or severe medical diagnosis might limit the amount of coverage available, there are still options. For instance:
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If you were diagnosed with cancer last month, you likely won’t qualify for a $1,000,000 policy right away.
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However, you can still obtain a policy – typically $25,000 to $50,000 – which may have a waiting period depending on your condition.
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Some insurance companies specialize in guaranteed issue policies, meaning no medical exams are required. These policies provide coverage regardless of your health but may come with higher premiums or waiting periods.
How Do Insurance Companies Handle High-Risk Cases?
Each insurance company evaluates risk differently. Some take a strict approach, outright denying applicants with severe health conditions. Others may approve coverage but with certain conditions:
✅ Limited Coverage Amounts – Some companies cap the maximum coverage available for high-risk applicants.
✅ Waiting Periods – Policies may require a 2-year waiting period before full benefits are payable.
✅ Higher Premiums – Some insurers offset risk by raising premiums for all policyholders, ensuring they can cover claims for those with serious illnesses.
Why an Independent Broker Like LifeGuy Can Help
Unlike captive agents who only offer products from one insurance company, an independent broker has access to multiple carriers. That means I can:
✔ Shop around to find the best rates for your situation.
✔ Advocate on your behalf, even if you have been previously declined.
✔ Customize a policy to fit your needs and budget.
Take Control of Your Coverage Today
Don’t assume that a past rejection means you’ll never qualify for life insurance. There are still options available, and I can help you find them.
🔹 Get a FREE, no-obligation quote today!
🔹 Call or message me now to explore your options.
Let’s secure the protection you and your family deserve—because peace of mind is priceless.
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