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Started By
Message
just got the call, I was denied term life insurance
Posted on 3/20/20 at 9:31 am
Posted on 3/20/20 at 9:31 am
I applied about 4 weeks ago, application typically takes 4 to 6 weeks
I was DENIED, reason given?
"no routine medical care"
IE, I do not have a primary care physician
that is actually a thread worthy topic in itself, my Doc got drummed out of business for "over prescribing" pain meds
he was a long standing, popular and successful doctor, even a daily guest on a popular radio show...
anyway, I go to the doc in a box if I need to, but not often
I just got denied coverage from Accuquote because of the Chinese Virus
good thing I don't have the sniffles or a fever...
I was DENIED, reason given?
"no routine medical care"
IE, I do not have a primary care physician
that is actually a thread worthy topic in itself, my Doc got drummed out of business for "over prescribing" pain meds
he was a long standing, popular and successful doctor, even a daily guest on a popular radio show...
anyway, I go to the doc in a box if I need to, but not often
I just got denied coverage from Accuquote because of the Chinese Virus
good thing I don't have the sniffles or a fever...
This post was edited on 3/20/20 at 9:34 am
21
Posted on 3/20/20 at 9:32 am to dcbl
quote:
my Doc got drummed out of business for "over prescribing" pain meds
you were seeing Dr. Cleggett weren't you
Posted on 3/20/20 at 9:33 am to dcbl
quote:
IE, I do not have a primary care physician
so go to the doctor once a year and get a physical...this really isn't that hard
Seems like an easy fix
Posted on 3/20/20 at 9:33 am to dcbl
I haven't been to a Dr since 2014. And that was only to do a physical so my company would give me $500. That is a ridiculous reason to not be able to get life insurance.
Posted on 3/20/20 at 9:33 am to dcbl
I can imagine a time like now is not the time to be getting life insurance.
To them, this is like trying to get flood insurance when there is a storm in the gulf.
To them, this is like trying to get flood insurance when there is a storm in the gulf.
Posted on 3/20/20 at 9:33 am to dcbl
quote:
my Doc got drummed out of business for "over prescribing" pain meds
he was a long standing, popular and successful doctor, even a dauly guest on a popular radio show...
I was just about to ask if he every did any radio appearances
Posted on 3/20/20 at 9:33 am to dcbl
quote:
anyway, I go to the doc in a box if I need to, but not often
Preventative care would be an important factor when deciding whether or not you're going to pay out a large sum of money when someone does, would it not?
Posted on 3/20/20 at 9:33 am to atrain5
quote:no
you were seeing Dr. Cleggett weren't you
Posted on 3/20/20 at 9:34 am to dcbl
That’s a bullshite reason to deny coverage given by a bullshite company.
Posted on 3/20/20 at 9:34 am to dcbl
go see a doctor and get a physical and reapply with someone else
Posted on 3/20/20 at 9:35 am to TDsngumbo
quote:
That’s a bullshite reason to deny coverage given by a bullshite company.
How? He could have all kinds of health problems that he doesn't know about because he only goes to an urgent care when he gets the sniffles.
Posted on 3/20/20 at 9:35 am to dcbl
You need to apply for a “simplified policy “with another carrier. You don’t have to have a provider or even any kind of real medical professional history. No exam is required, they just do a prescription check.
Posted on 3/20/20 at 9:35 am to TDsngumbo
quote:that policy would have been written 45 days ago, no questions asked
That’s a bullshite reason to deny coverage given by a bullshite company.
Posted on 3/20/20 at 9:36 am to Pintail
quote:It's almost as though insurance is this thing you pay into so you have financial support available if it's ever needed. Too bad you can't just wait until you're about to die; that'd be so much cheaper.
I can imagine a time like now is not the time to be getting life insurance.
To them, this is like trying to get flood insurance when there is a storm in the gulf.
This post was edited on 3/20/20 at 10:02 am
Posted on 3/20/20 at 9:38 am to Lsupimp
quote:I get letters from AAA every week
You need to apply for a “simplified policy “with another carrier. You don’t have to have a provider or even any kind of real medical professional history. No exam is required, they just do a prescription check.
as a 51 yrs old tobacco user, they want $146 a month for $100K
this policy was going to be $105 a month for $250K
10 yr level term
the wife has $300K through her job as a public teacher and she has been nagging me to do the same
I finally said yes
100% denied because of Wuhan Flu
Posted on 3/20/20 at 9:39 am to dcbl
quote:
as a 51 yrs old tobacco user
Who doesn't get a yearly physical? Yeah man, companies are falling over themselves to insure you.
Posted on 3/20/20 at 9:39 am to Pintail
quote:when I applied, Chinese Flu was not a thing
I can imagine a time like now is not the time to be getting life insurance.
To them, this is like trying to get flood insurance when there is a storm in the gulf
I had 5 insurance companies calling me 3x a day for 2 weeks after I selected Accuquote
decision just came today
Posted on 3/20/20 at 9:40 am to TH03
Because the company is supposed to underwrite based on information that can be proven, not information that may or may not be true. They’re not allowed to imagine what could be wrong. They’re only allowed to use info that’s available.
Discriminate against him based on current and past health, age, occupation, and sometimes even family health history but they are not allowed to discriminate against him based upon a LACK of information.
Discriminate against him based on current and past health, age, occupation, and sometimes even family health history but they are not allowed to discriminate against him based upon a LACK of information.
This post was edited on 3/20/20 at 9:42 am
Posted on 3/20/20 at 9:41 am to dcbl
quote:How large is your body on a scale of 200 to 400?
as a 51 yrs old tobacco user
Posted on 3/20/20 at 9:42 am to Pecker
quote:220
How large is your body on a scale of 200 to 400?
I'm 6'1"
no high blood pressure or medical history
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