Why I am rate high-risk for insurance?
I'm a 29 year-old non-smoker w/a spotless family medical history - not even high bp for my 65 year-old-dad. I just this minute applied for life insurance and was surprised when I be rated in two risk category higher than normal. The results from my lab work be normal. I am pregnant but was told by my agent that this is not affecting my rating. We plan to review the policy/shop around a few months after the toddler is born and my body is back to normal in recent times to be sure. But I am concerned: will this higher rating now lastingly affect my ability to get competitively-priced insurance after that? Anything I can do about it? What else in my medical history/charts might be contributing to the sophisticated morbidity rating (besides pregnancy)? Anything I can do about that? My agent, who's known me and my kinfolk for years, is also surprised but isn't sympathetic. I did a little research and found that I do have the right to an explanation surrounded by writing. Will requesting it send up more red flags?
Answers:
This is strange. Usually a ordinary pregnancy should not contribute to a higher risk rating. Did you keep the medical documents that were passed on to the insurer? Check them again, viz. how's your lipid profile? Often, many relations come to know of some hidden problems at the time of taking out an insurance only. Probably duplicate insurance company will rate your risk higher next time, since they own your records. But if you go to another one, they will enjoy to make a new determination base on their assessment. Since now in India (I presume you are an Indian within India) there are many private insurance company, the flea market is quite competitive.
That sounds odd to me as well. I am going through like thing, kind of. I be completely declined for gestational diabetes, though resolved and confirmed resolved with post partum trialling. I would appeal and ask for an explanation. I would also ask what reporting bureaus they report to and what info they report. I do not think this would cause a red flag if anything it may right a wrong. Good luck
You did not mention anything here about the father of the child. If you are have a baby out of wedlock next your sexual activity without precautions enjoy obviously weighed contained by on their evaluation. You are at high risk for a STD that may be lethal.
If you are married, please free my rudeness. And you should by all means find out the exact object for their rating.
What about speeding tickets? Sports car? Do you live surrounded by a high risk neighborhood?
You can . For any insurance related problems you can only just cisit the following websites . these websites gives you complete information on insurance and company and their plans etc. these are as follows :
http://www.reliancelife.reliancefresh.in…
http://www.poonam.reliancefresh.info
http://www.kajal.reliancefresh.info
http://www.joginderkathuria.ignou.info
First of all, it's undeniably NORMAL for a pregnant woman's lipids to be high; lipids form the base for adjectives hormones and pregnancy is regulated almost entirely by hormones.
It's impossible to tell why you were given such a dignified rating based on the information you have. I suggest you letters a letter to the insurer and ask that it give you a detailed answer. Since abundant life insurers won't give this information directly to applicants, detail the name and address of your personal physician. Send the letter "return getting requested." If you don't receive a response within 45 days or so, send a written complaint to your state's insurance commissioner's department.
As for your future insurability, while this insurer may have reported the risk factor(s) to the Medical Information Bureau, another insurer cannot foundation its decision solely from this. It MUST independently investigate any "hits" (suspected matches showing reported risk factors) it receive from the MIB concerning you. At the conclusion of its investigation, it must make its own decision base on the underwriting guidelines.
One final word: long ago, most life insurers would assess a rating if a woman be pregnant. This was due to higher mortality rates following childbirth. However, most insurers own ceased this practice, since childbirth today is generally safe and sound, with few deaths. It could be that this insurer is using extremely old guidelines.
I'd suggest you complete an application with another insurer. You will be asked whether you've ever be rated or declined by another insurer -- relay the truth on the application so the insurer can investigate up-front. Withholding this information will only make you appear dishonest. Source(s): Former energy insurance underwriter
I would make a written request to the company for an explanation of why I be rated. If it is medical, they will need the dub of your doctor so they can send it to him/her so they can explain it to you. Maybe something strange showed up that should not have. You may know how to ask for a recheck and pay for it yourself. Worth a try. And yes, it will show on your MIB if you try another company. Not to say you may be capable of get it without a rating. Just that it will show that you enjoy been rated.
You are without doubt entitled to the results of the medical exam, and an explanation as to why you are being rated superior. Requesting it will not send up any red flags.
There HAS to be a reason for the highly developed rating. Everything could not have been within normal ranges or you would not have a high rate.
I doubt the pregnancy is a factor at all. More likely you enjoy slightly elevated liver enzymes, or an avocation that's seen as higher risk (do you bungee fly, sky dive, scuba dive?).
Keep in mind that an insurance company can charge higher rates base on your lipid or liver enzymes or other slightly higher readings - even if they are not lofty enough for your doctor to be concerned about at adjectives.
Definitely discuss the findings with your regular doctor AND your obstetrician.
Good luck, and have a pleased and healthy pregnancy!
It could be as simple as height and shipment proportion (they may not be factoring in that you're pregnant when looking at those figures.) Meaning that, if you're 5'7", your "normal" shipment might be 145 lbs (which would have put you at a standard rating), but your pregnant weight is 170. That alone could push you into a sophisticated rating class. And they're much more stringent on that issue for women than they are for men, in my experience. Source(s): licensed agent: life & strength, property & casualty
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Answers:
This is strange. Usually a ordinary pregnancy should not contribute to a higher risk rating. Did you keep the medical documents that were passed on to the insurer? Check them again, viz. how's your lipid profile? Often, many relations come to know of some hidden problems at the time of taking out an insurance only. Probably duplicate insurance company will rate your risk higher next time, since they own your records. But if you go to another one, they will enjoy to make a new determination base on their assessment. Since now in India (I presume you are an Indian within India) there are many private insurance company, the flea market is quite competitive.
That sounds odd to me as well. I am going through like thing, kind of. I be completely declined for gestational diabetes, though resolved and confirmed resolved with post partum trialling. I would appeal and ask for an explanation. I would also ask what reporting bureaus they report to and what info they report. I do not think this would cause a red flag if anything it may right a wrong. Good luck
You did not mention anything here about the father of the child. If you are have a baby out of wedlock next your sexual activity without precautions enjoy obviously weighed contained by on their evaluation. You are at high risk for a STD that may be lethal.
If you are married, please free my rudeness. And you should by all means find out the exact object for their rating.
What about speeding tickets? Sports car? Do you live surrounded by a high risk neighborhood?
You can . For any insurance related problems you can only just cisit the following websites . these websites gives you complete information on insurance and company and their plans etc. these are as follows :
http://www.reliancelife.reliancefresh.in…
http://www.poonam.reliancefresh.info
http://www.kajal.reliancefresh.info
http://www.joginderkathuria.ignou.info
First of all, it's undeniably NORMAL for a pregnant woman's lipids to be high; lipids form the base for adjectives hormones and pregnancy is regulated almost entirely by hormones.
It's impossible to tell why you were given such a dignified rating based on the information you have. I suggest you letters a letter to the insurer and ask that it give you a detailed answer. Since abundant life insurers won't give this information directly to applicants, detail the name and address of your personal physician. Send the letter "return getting requested." If you don't receive a response within 45 days or so, send a written complaint to your state's insurance commissioner's department.
As for your future insurability, while this insurer may have reported the risk factor(s) to the Medical Information Bureau, another insurer cannot foundation its decision solely from this. It MUST independently investigate any "hits" (suspected matches showing reported risk factors) it receive from the MIB concerning you. At the conclusion of its investigation, it must make its own decision base on the underwriting guidelines.
One final word: long ago, most life insurers would assess a rating if a woman be pregnant. This was due to higher mortality rates following childbirth. However, most insurers own ceased this practice, since childbirth today is generally safe and sound, with few deaths. It could be that this insurer is using extremely old guidelines.
I'd suggest you complete an application with another insurer. You will be asked whether you've ever be rated or declined by another insurer -- relay the truth on the application so the insurer can investigate up-front. Withholding this information will only make you appear dishonest. Source(s): Former energy insurance underwriter
I would make a written request to the company for an explanation of why I be rated. If it is medical, they will need the dub of your doctor so they can send it to him/her so they can explain it to you. Maybe something strange showed up that should not have. You may know how to ask for a recheck and pay for it yourself. Worth a try. And yes, it will show on your MIB if you try another company. Not to say you may be capable of get it without a rating. Just that it will show that you enjoy been rated.
You are without doubt entitled to the results of the medical exam, and an explanation as to why you are being rated superior. Requesting it will not send up any red flags.
There HAS to be a reason for the highly developed rating. Everything could not have been within normal ranges or you would not have a high rate.
I doubt the pregnancy is a factor at all. More likely you enjoy slightly elevated liver enzymes, or an avocation that's seen as higher risk (do you bungee fly, sky dive, scuba dive?).
Keep in mind that an insurance company can charge higher rates base on your lipid or liver enzymes or other slightly higher readings - even if they are not lofty enough for your doctor to be concerned about at adjectives.
Definitely discuss the findings with your regular doctor AND your obstetrician.
Good luck, and have a pleased and healthy pregnancy!
It could be as simple as height and shipment proportion (they may not be factoring in that you're pregnant when looking at those figures.) Meaning that, if you're 5'7", your "normal" shipment might be 145 lbs (which would have put you at a standard rating), but your pregnant weight is 170. That alone could push you into a sophisticated rating class. And they're much more stringent on that issue for women than they are for men, in my experience. Source(s): licensed agent: life & strength, property & casualty
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