Eligibility for Life Insurance Coverage

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Eligibility for Life Insurance Coverage

A life insurance company uses a series of factors to determine what the risk of death of the applicant is, so as to see if the applicant is eligible for a life insurance policy. Since the measurement is the mortality of the applicant, some factors that would not be acceptable for use in other kinds of policies, such as property insurance, are used quite readily for life insurance policies:

Is There Anything That an Insurance Company Cannot Consider?

While providers obviously have a broad range of categories they can delve into when determining if an applicant is eligible for a life insurance policy, there are still some factors a provider cannot consider when determining eligibility. One example is that a provider cannot make a person's race a determining factor for coverage.

Can a Lawyer Help?

If you feel you have been unfairly denied a life insurance policy, you may want to file a complaint with your state's Department of Insurance. In addition, you may want to contact an attorney with experience in insurance matters to see if you are entitled to any damages for being unfairly discriminated against. Your lawyer can advise you of your rights, and advise you of what course of action you should take.

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Last Modified: 09-15-2014 02:17 PM PDT

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