If a company turns you down for a policy, try another company. Companies use different methods and factors to decide whether or not to insure you. For example if you have high blood pressure that you control with medication, one company might reject you while another company may accept you.

If you have a medical problem, it's a good idea to talk it over with your doctor. Treatments may improve your condition enough to meet company standards, or the company may qualify you as a special risk at an adjusted premium. If the company uses your medical information to arrive at its rating, it must share that information with your doctor at your request.
You might also want to check on group life insurance. Some group plans do not require medical exams or health histories.

Insurance companies are part of the free enterprise system and can – within certain limits – select those individuals they want to insure. However, they are not free to turn down coverage without a valid reason. Under Washington state law, insurers cannot refuse insurance to anyone based on:
• sex
• marital status
• race
• creed
• color
• national origin
It's also against the law to deny coverage to domestic violence victims. And it's illegal to refuse people with a sensory, mental, or physical problem – except when the company can prove statistically that someone is more likely to file a claim.
If you feel an insurance company is treating you unfairly, you can file a complaint with your state's department of insurance.

Life Insurance - Plan the future

If you think that passing on a life insurance policy is smart money management, you are entirely wrong. The fact of the matter is that most people need some sort of life insurance policy in place.

There is a very easy way to determine whether or not you need to buy life insurance. Simply put, if you have a spouse or children who rely on your income to survive, you need to have some sort of coverage. If possible, you want your death benefit to be enough so that your beneficiary can live comfortably until they get back on their feet.

The good thing about life insurance is that you can purchase a policy from a number of different companies. To go along with this, there are a wide variety of policies and benefits to choose from. You can opt for whole, term, or universal insurance, and of course determine how much coverage you will buy.

Anybody who thinks that they need life insurance is probably right. You want to make sure that you purchase a policy right away as to take all risk out of the equation.

Articles about Life Insurance and Annuities

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