Frequently Asked Questions

What can prevent someone from obtaining insurance?

Each insurance company employs underwriters who evaluate prospective clients to assess their level of medical risk and to determine rate payments. During this underwriting process, underwriters screen out clients who are the most potentially risky. Although the criteria vary by company and are proprietary, some of the factors that might lead to ineligibility include the existence of a chronic condition such as diabetes or a recent history of cancer or heart problems. Underwriters may also exclude individuals whose lifestyle choices put them at significant risk. For example, smokers or obese individuals could face increased premiums or difficulty purchasing insurance.

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