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November 15, 2009 06:12 PM
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Why would you not pass the life insurance physical?
Is it due to age, smoking, chronic health condition, high blood pressure, etc?
If it is due to something that you may be able to improve upon (i.e- weight, smoking, etc) then inquire as to whether it is possible to apply again and undergo a new physical in a predetermined amount of time.
If that is not an option, then shop around for coverage from other carriers. Do a series pf calculations as to what amount of coverage you require; sometimes lowering the coverage will also lower the limitations imposed on higher policies.
Lastly, consider paying a higher premium. Some carriers will underwrite the life insurance policy on higher risk individuals by applying an amplified premium.
Good luck.
Is it due to age, smoking, chronic health condition, high blood pressure, etc?
If it is due to something that you may be able to improve upon (i.e- weight, smoking, etc) then inquire as to whether it is possible to apply again and undergo a new physical in a predetermined amount of time.
If that is not an option, then shop around for coverage from other carriers. Do a series pf calculations as to what amount of coverage you require; sometimes lowering the coverage will also lower the limitations imposed on higher policies.
Lastly, consider paying a higher premium. Some carriers will underwrite the life insurance policy on higher risk individuals by applying an amplified premium.
Good luck.
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November 16, 2009 06:45 AM
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Usually the screening isn't as inclusive as you might believe. They usually just do the history and then pass you right along. They don't want you to not be able to work. Stressing tonight might not be the best plan.
I hope you pass.
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