Check out ways to avoid being declined. How To Avoid Being Declined
Ideas to Consider if You've Been Declined:
1. Pick A Better Company - If you worked with a captive agent then the solution that was presented to you at application was within whatever company that agent represented. Clearly that wasn't the best fit.
2. Shop Around - Companies change their underwriting standards. Some companies are more aggressive with certain health issues than others. Sometimes depending on their existing portfolio a company could more lenient on diabetes or heart issues for example.
3. Avoid a Second Decline - Companies can view your history through the MIB. One red flag like a decline that pops up is less than ideal but, a second would really sting.
4. Better Explanation of Your Situation - An underwriter just reviews the material that's put in front of them. A conversation or a cover letter outlining your past declination may present your case in a better light and many times can change the mindset of the insurance company.
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