Home Page
Business Personal Property Life & Disability

FamilyInsurance companies deciding on life insurance for potential clients isn't easy. There are a lot of factors that go into the decision, with risk being the most important one. Sometimes coverage can even be refused completely and leave people without the peace of mind of knowing they are taken care of.

Here are some reasons you can be refused life insurance:


Simple fact: the older you are, the higher risk you are to life insurance companies. Once people reach the age of 50, they are less likely to be approved for life insurance without a physical. Once most people reach the age of 85 it is next to impossible to get a life insurance policy.


It's hard to get life insurance if you're dealing with health conditions that make you risky to life insurance companies. Some conditions that see almost instant refusal are type 1 diabetes, HIV/AIDS, cancer and a recent heart attack. Being a smoker also doesn't help, along with being overweight.


Life insurance companies don't like to insure those that participate in risky activities like skydiving, motorsports or mountain climbing. The life insurance companies will deem you a giant risk and you could either be refused coverage or face extremely high premiums. Other lifestyle factors that could limit you are a history of DUIs or speeding tickets.

Life insurance is important and it's important to know where you stand while trying to get coverage. Let one of our agents help you see what you need to do to get approved. Call KJE Consultants today at (866) 260-5330 for more information on New York life insurance.
Posted 7:04 PM

Share |

No Comments

Post a Comment
Required (Not Displayed)

All comments are moderated and stripped of HTML.
Submission Validation
Change the CAPTCHA codeSpeak the CAPTCHA code
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2015
  • 2014

View Mobile Version

Request a Consultation

Fill out the form below
or call us at 212.786.2018
Our History
Our Mission Statement
Business Insurance
Life & Disability
Personal Insurance
Private Client Insurance
Property Insurance
Other Insurance
KJE Consultants, LLC
5 Penn Plaza, 19th Floor | New York, NY 10001
Phone: 212.786.2018