Can A Life Insurance Decline Or Rating Be Changed?

Can A Life Insurance Decline or Ratings be Changed?

There’s nothing worse than applying for life insurance only to discover your application has been denied. When this happens, people often find it difficult to decide on their next move. If you find yourself in this situation, we are here to walk you through the next steps and find an affordable policy to fit your needs.loved one's life insurance

How to Handle a Declined Life Insurance Application

 If your life insurance application has been denied, you should first contact the insurance company and find out why. Their reasoning could be anything from serious medical conditions to non medical reasons like bankruptcy, positive drug tests, and dangerous hobbies. If their reasoning contains inaccurate details, you have the right to appeal. If their reason for denial is accurate and correct, but you don’t agree that it should have caused a decline, there are a few things you can do next.

  1. Gather information
  • To move forward and have the best chance of finding a company to approve you, you need the facts.
  • Already mentioned was that you need a copy of the decline letter from the previous company.You should also obtain a copy of the labs from that application.
  • Go to to get a copy of the MIB report that should have references to information provided by the declining company.
  • If there are any specific medical conditions noted, ask your doctor for a written opinion and any testing that may have been done concerning that.
  1. Allow for a Waiting Period

If your insurance was denied due to certain medical or lifestyle issues, you may need to give yourself some time to correct anything that might’ve caused the denial. Not unlike having a traffic ticket on your record, after a while it may be something that becomes less of an issue. Contact an independent agent who can help you come up with a plan of action. A good agent is going to help you get where you need to go even if it doesn’t mean an immediate sale.

  1. Apply for a Different Policy

If you are deemed a high-risk candidate and other routes are unavailable, you might consider putting a guaranteed issue policy in force while you work on finding a long term answer. In any case, you should speak with a reputable, independent life insurance agent before applying to see which option is right for you.

Find the Best Life Insurance Agent

It is important to remember that, just because you’re denied by one company, doesn’t mean all insurance companies will deny your application. Unlike finding a company on your own and hoping one accepts you, the experts at Hinerman Group will search through a much wider market and find a policy that works best for you. To learn more about how we can help, call us today!

More Questions? Check Out Our Blog!

The Hinerman Group knows that every situation is unique and it can be difficult finding the best answers. Be sure to check out our blog where you will find a comprehensive bank of topics covered regarding Life Insurance. The background covered in The Hinerman Group blog will point you in the right direction and help you get your family the coverage you need.

Want to talk? Call Ed directly at (719) 539-7914 for a FREE CONSULTATION. *Ed released the fish and it went on to have a full life.


My 20 years of experience give me the knowledge and leverage to find reasonably priced Life Insurance for people who have been declined or are paying more than they need to.

Let’s get together and get it done right for you and your family!