Declined?

Please, take heart! Being declined for life insurance could mean your broker simply lacked the experience to find the right company for you.

You see, life insurance companies specialize in particular types of risk. While one company may be uninterested, other companies may be eager for your business. Some of the following cases even received Better than Standard rates!

Our Resident Expert's advice is (1) learn about life insurance prequalification and (2) never give up. If your current broker can't help you, then find one who can.

Life Insurance Quotes,
After Being Declined

File # 10598 Male, 46 years old $500,000 coverage, 20-year term Was declined, elsewhere Health Issues Digestive disorders - pre-ulcers or small erosions, diagnosed 10 years ago, and was successfully treated with antibiotics - no recurrence Liver problems - hepatitis b, diagnosed 30 years ago, resolved on its own - hepatitis c, diagnosed 6 years ago, no treatment, currently hepatitis c positive Drinking Alcohol - currently drinking infrequently Family History of Cancer - mother, cervical displacia (abnormal cells) in mid 50s Family History of Heart Conditions - father, bypass surgery at age 72 Lifestyle Issues Foreign travel - Mexico every 5 years

File # 10596 Male, 30 years old $1,000,000 coverage, 30-year term Was declined, elsewhere Lifestyle Issues Foreign travel - Israel, 9 visits in the last 5 years Legal Issues Citizenship - citizen of Israel - in the USA with a Green Card Department of Motor Vehicle Record - 1 speeding ticket in the last 5 years

File # 10595 Female, 31 years old $500,000 coverage, 30-year term Was declined, elsewhere Health Issues Cancer - Osteoblastoma, benign tumor in pelvic bone - diagnosed and removed 3 years ago, no recurrence Family History of Cancer - sister, breast cancer at age 31 - mother, breast cancer at age 29, died at age 41 Pregnancy - currently 5 months pregnant Lifestyle Issues Foreign travel - Israel, 9 visits in the last 5 years Legal Issues Department of Motor Vehicle Record - 1 traffic ticket in the last 5 years

File # 10591 Male, 36 years old $750,000 coverage, 20-year term Was declined, elsewhere Health Issues Systemic scleroderma and diffuse cutaneous scleroderma - diagnosed 4 years ago Raynaud's Weight and build, overweight - Height 5'11", Weight 250 lbs Family History of Heart Conditions - father, developed heart disease in his 50s Medications Nexium

File # 10588 Female, 70 years old $50,000 coverage, Universal Life Was declined, elsewhere Health Issues Thyroid disorder - thyroid was removed, 15 years ago - currently treating with medication Diabetes - diagnosed 10 years ago - currently treating with medication High blood pressure (hypertension) - diagnosed 10 years ago - currently treating with medication Medications Avandement, Levoxyl, and Metoprolol Lifestyle Issues Foreign travel - plans to travel to the Philippines every 1 or 2 years, visiting family for month-long visits Legal Issues Citizenship - citizen of the Philippines - in the USA with a Green Card

Standard Non-smoker with graded benefit File # 10586 Female, 46 years old $100,000 coverage, whole life Was declined, elsewhere Health Issues Diabetes - diagnosed 33 years ago - complications include neuropathy, retinopathy, retinal displacement (surgically repaired), and renal insufficiency that started 14 years ago, resulting in renal transplant 6 years ago - currently treating with medication Heart problems - balloon angioplasty (PTCA), 8 years ago, to unblock a 90% obstruction Cancer - fibroadenoma, benign tumor in breast - surgically removed 15 years ago, no recurrence Congenital microphthalmia Family History of Cancer - mother, died of cancer at age 56 Family History of Heart Conditions - father, died of heart attack at age 41 Medications Humalog and Lantus Lifestyle Issues Foreign travel - history of travel to Mexico

File # 10581 Female, 37 years old $100,000 coverage, 20-year term Was declined, elsewhere Health Issues Diabetes - diagnosed 32 years ago - retinopathy, resulting in surgery 10 years ago - currently treating the diabetes with medication Anxiety and Depression - diagnosed 1 year ago - currently treating with medication Weight and build, weight gain - Height 5'3" Weight 170 lbs - gained 25 lbs in last year, due to medication Tobacco - currently smoking 1 pack every day Medications Humalog, Humulin, and Lexapro

File # 10573 Male, 47 years old $400,000 coverage, 10-year term Was declined 6 times, elsewhere Health Issues Liver problems - elevated liver enzymes and fatty liver Anxiety and Depression - obsessive compulsive disorder, currently treated with medication Overweight - Height 6'0" Weight 210 lbs - lost 20 lbs in last year due to diet and exercise Tobacco - currently smoking Medications Paxil Legal Issues Citizenship - citizen of Canada - in the USA on an E2 Visa

File # 10568 Male, 34 years old $250,000 coverage, 20-year term Was declined 2 times, elsewhere Health Issues Drinking alcohol - recovering alcoholic, sober for 5 years Anxiety and Depression - diagnosed as manic depressive, 5 years ago Weight and build, large build - Height 6'3" Weight 260 lbs Family History of Cancer - mother, cancer in her 40s

File # 10533 Male, 35 years old $1,000,000 20-year term Was declined 2 times, elsewhere Health Issues Anxiety and Depression - diagnosed 11 years ago - currently treated with medication Drinking alcohol - recovering alcoholic, sober for almost 3 years - attends AA meetings, personal therapy, and marital therapy Digestive disorders - peptic ulcer, due to taking anti-inflammatory medication Carpal-tunnel syndrome Family History of Heart Conditions - father is alive, had bypass surgery at age 55 Medications Did use Paxil and Zoloft Now uses Ambien, Celexa, and Omeprazole

File # 10531 Male, 48 years old $750,000 coverage, 10-year term Was declined elsewhere Health Issues Liver problems - hepatitis c, diagnosed 20 years ago - client feels he was infected through drug abuse - last biopsy, 2 years ago - treatment with interferon, not successful - currently hepatitis c positive Anxiety and Depression - diagnosed 9 years ago Suicide Survivor - suicide ideation 9 years ago, resulting in hospitalization for 3 weeks Substance Abuse - history of drug abuse, but none used in last 20 years Drinking alcohol - recovering alcoholic, sober for last 20 years - attends AA meetings Family History of Cancer - mother, died of cancer of the heart muscle at age 73 Family History of Heart Conditions - mother, died at age 73 Medications Trazodone Lifestyle Issues Foreign travel - Cancun once each year Legal Issues Criminal Record - indicted on drug related charges 14 years ago, but all charges were later dismissed Department of Motor Vehicle Record - 1 speeding ticket in the last 5 years - 1 DUI ticket, 23 years ago

File # 10530 Male, 49 years old $1,000,000 coverage, 20-year term Was declined elsewhere Health Issues Digestive disorders - ulcerative colitis, had an ileostomy 20 years ago Liver problems - elevated liver enzymes Drinking Alcohol - 1 or 2 beers per week Chronic sinus infection - currently treating with Advil Chronic back pain - currently treating with Advil Medications Did use Prednisone and other steroids until 10 years ago Now uses Advil (3-4 each day) Lifestyle Issues Foreign travel - Caribbean every few years

File # 10521 Female, 51 years old $200,000 coverage, 20-year term Was declined elsewhere Health Issues Heart problems - mitrovalve prolapse, diagnosed 20 years ago, takes antibiotic at the dentist High cholesterol (ldl cholesterol) - diagnosed 4 years ago - treating with diet and exercise High blood pressure (hypertension) - diagnosed 3 years ago - currently treating with medication, since 1 year ago Digestive disorders - diverticulitis, diagnosed 2 years ago - currently treating with diet and lifestyle management Hysterectomy - uterus dropped - surgery performed 4 years ago Antinuclear Antibodies - an indication of possible autoimmune illness - no treatment Family History of Heart Conditions - mother is alive, 2 heart attacks in her 30's Medications Lisinopril Lifestyle Issues Beneficiary is a domestic partner - female significant other

File # 10517 Male, 49 years old $1,500,000 coverage, 20-year term Was declined elsewhere Health Issues Cancer - melanoma (type of skin cancers) - removed 3 years ago - no recurrence High blood pressure (hypertension) - treated medically during the last year Gout arthritis, diagnosed 2 years ago Drinking alcohol - tested positive for alcohol markers, during recent exam Medications Allopurinol (Allopurinal), Prinivil, and Viox (Vioxx)

File # 10504 Male, 33 years old $1,000,000 coverage, 20-year term Was declined elsewhere Health Issues Substance Abuse - Cocaine addiction - graduated an inpatient 30-day program 7 years ago, and continued follow-up meetings for one year Anxiety and Depression - diagnosed with depression, treatment with therapy and medication Medications Paxil and Ativan

File # 10501 Male, 35 years old $1,000,000 coverage, 20-year term Was declined elsewhere Health Issues Liver problems - elevated liver enzymes and fatty liver - diet and exercise have lowered enzymes to normal range Family History of Cancer - mother is alive, developed breast cancer at age 47 - father is alive, developed basil cell cancer in his 60's Lifestyle Issues Foreign travel - London, Italy, France