Posted On: August 2, 2021

If there is one thing that you should invest in, it’s life insurance. Upon your death, life insurance will cover funeral costs and leave your family with money that they can use to pay off bills and other expenses. And it’s never too early to talk to your loved ones about life insurance. 

Almost anyone of age can purchase life insurance. However, there are a few reasons why you can be disqualified from a life insurance policy. 

Physical health: While life insurance companies cannot access your medical records without consent, there will be questions on the insurance form that ask you about any chronic health conditions. Those who have diabetes, obesity, high cholesterol, and any other diseases may be denied life insurance.  Mental health: Much like physical health, if you have a history of mental health issues such as anxiety, PTSD, or a history of self-harm, you may be disqualified from life insurance as some insurance companies look negatively at mental health issues.  Lifestyle: When applying for life insurance, you will be asked if you participate in any dangerous activities. These activities can include rock climbing, smoking, and unhealthy eating habits. Anyone who has an unhealthy lifestyle could be denied life insurance. Age: It’s always better to buy life insurance when you are younger as some life insurance companies see older people applying for life insurance as a risk.  Job: Your occupation will determine whether or not you can qualify for life insurance. The more dangerous job you have, the less likely you will be able to purchase life insurance.  Financial status: Some life insurance companies will look into your credit rating. If you have bad credit or have filed for bankruptcy, they may not insure you.  Criminal record: If you’ve been charged with a crime, life insurance companies will treat it as a high-risk lifestyle and may deny your application.  Driving record: A bad driving record could impact your life insurance application or could end up paying a higher rate. 

Don’t let any of these scare you away from applying for life insurance. Chances are, you will still qualify for life insurance. If you need assistance with the application process, Seguros Lara is here for you. We can help you find the right plan for you and your family. And we’re not just here for life insurance. Our company does health and medical insurance as well.

For more information about the services that we offer, visit our website. Or give us a call at 1(864)354-6670. We will answer any questions you may have. Contact Seguros Lara today! 

The post What will disqualify you from life insurance? appeared first on Seguros Lara.

Re Posted From: What will disqualify you from life insurance?

Seguros Lara Insurance

Posted On: August 2, 2021

If there is one thing that you should invest in, it’s life insurance. Upon your death, life insurance will cover funeral costs and leave your family with money that they can use to pay off bills and other expenses. And it’s never too early to talk to your loved ones about life insurance. 

Almost anyone of age can purchase life insurance. However, there are a few reasons why you can be disqualified from a life insurance policy. 

Physical health: While life insurance companies cannot access your medical records without consent, there will be questions on the insurance form that ask you about any chronic health conditions. Those who have diabetes, obesity, high cholesterol, and any other diseases may be denied life insurance.  Mental health: Much like physical health, if you have a history of mental health issues such as anxiety, PTSD, or a history of self-harm, you may be disqualified from life insurance as some insurance companies look negatively at mental health issues.  Lifestyle: When applying for life insurance, you will be asked if you participate in any dangerous activities. These activities can include rock climbing, smoking, and unhealthy eating habits. Anyone who has an unhealthy lifestyle could be denied life insurance. Age: It’s always better to buy life insurance when you are younger as some life insurance companies see older people applying for life insurance as a risk.  Job: Your occupation will determine whether or not you can qualify for life insurance. The more dangerous job you have, the less likely you will be able to purchase life insurance.  Financial status: Some life insurance companies will look into your credit rating. If you have bad credit or have filed for bankruptcy, they may not insure you.  Criminal record: If you’ve been charged with a crime, life insurance companies will treat it as a high-risk lifestyle and may deny your application.  Driving record: A bad driving record could impact your life insurance application or could end up paying a higher rate. 

Don’t let any of these scare you away from applying for life insurance. Chances are, you will still qualify for life insurance. If you need assistance with the application process, Seguros Lara is here for you. We can help you find the right plan for you and your family. And we’re not just here for life insurance. Our company does health and medical insurance as well.

For more information about the services that we offer, visit our website. Or give us a call at 1(864)354-6670. We will answer any questions you may have. Contact Seguros Lara today! 

The post What will disqualify you from life insurance? appeared first on Seguros Lara.

Re Posted From: What will disqualify you from life insurance?

Seguros Lara Insurance