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Declinable conditions

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Declinable conditions for term life insurance

What conditions make it hard to qualify

Completing a term life insurance and paramedical is not the end of the world but why waste the time if you have a declinable condition.  Ultimately, each life insurance company makes the decision as to whether someone is approved or declined but there are some conditions that are pretty much declinable in nature.  Let's look at these and what other options might be available.

The life insurance carriers rarely come out with a black list of declinable conditions to the public but we can piece together some real red flags from the lowest health class available (Standard risk health class) and the conditional temporary life insurance questions which are a simplified set of questions.  We can also looked at the CDC's data on top causes of death as these would directly affect the life insurance carrier's underwriting decision.  Let's look at these causes in descending percentages for the cause of death in the U.S.

Probably the biggest category as it pertains to mortality tables is the general Cardio Pulmonary category dealing with diseases of the heart.  In 2006, this made up roughly 26% of all deaths.  This can include heart attacks, heart disease, irregular behavior and the like.  This is especially looked at in conjunction with corresponding issues such as high blood pressure, elevated cholesterol, and height/weight.   '

The next category is cancer.  This accounts for roughly 23% of the deaths.  There two significant issues here.  One is that there many kinds of cancer with a huge range of severity from extremely treatable to extremely difficult to to treat.  The type of cancer, the stage it was it, and most importantly, the amount of time sign and symptom free have a significant bearing on how the life insurance company will view your eligibility. 

Interestingly enough, these two categories make up roughly half of the deaths in the U.S.  There are many personal choices we can make to affect our chances of avoiding both.  Let's look at some of the smaller categories that are likely to be dreamed as declinable conditions when applying for life insurance.

Various diseases of the blood are the first that come to mind.  These include AIDS/HIV and Hepatitis C.  Treatment and management of both diseases are improving with time but there is still an increase in mortality rates associated with these diseases.  To some extend, we'll include Diabetes in this category.  Diabetes is another condition which can be successfully managed but it may still be an issue in terms of qualifying.

Cerebrovascular diseases.  This would result from diseases that affect the vascular system in the brain such as AVM (Arterial Vascular Malformation).  The increased risk is for strokes or aneurisms that may occur as a result. 

Aside from the disease side, accidents account for 5% of deaths and we're ranked #5.  There are many lifestyle, occupations, and hobby decisions that factor into this risk.  Drug use (depending on particular drug, severity, and time sober) comes into play here.  Also, a history of unsafe driving and/or DUI's on your driving record may make you uninsurable depending on the severity and time away.  Alcholism, Drug dependency, etc also figure into disease mortality such as liver failure and Hepitis C/AIDS.

If you have a condition or medical history that is current and/or extreme in relationship to one of these categories, it might be difficult to qualify for term life insurance coverage.  We would be happy to go over your particular situation to discuss possible options.  High risk life insurance or no medical exam insurance might provide a back-up.  The good news is that there is no application fee to apply for term life and you have a money-back guarantee if you do not want an offered policy and/or rate in the 10 days of receiving the policy.  Essentially, there's no downside to applying because the life insurance company is ultimately the one that decides if your eligible for coverage. 

Following are some issues (depending on severity) that may be issues:

Alcohol or Drugs
Alzheimer's Disease
Crohn's Disease
Heart Disease
Kidney or Liver Disease
Mental Illness
Multiple Sclerosis
Ulcerative Colitis or Ileitis
Vascular Disease



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