Short answer: yes, though it’s rarer than people assume. Johnson Insurance Agency gets this question a lot from folks in Lacey who’ve put off applying for life insurance for years because they’re convinced some past health issue or lifestyle choice automatically disqualifies them. Usually, that fear is bigger than the reality.<\/p>\n
Insurers look at risk, plain and simple. Certain serious, uncontrolled health conditions, think advanced heart disease, certain cancers in active treatment, or severe, unmanaged illnesses, can lead to a decline from a specific carrier. High-risk hobbies like skydiving or scuba diving can also affect eligibility or pricing, though they rarely result in an outright no. Recent DUIs, a history of dangerous driving, or certain criminal records can factor in too.<\/p>\n
Most of the time what people call a “disqualification” is really just a higher premium or a different type of policy altogether. Guaranteed issue and simplified issue policies exist specifically for people who might not qualify for traditional coverage, so even a serious health history usually still leaves options on the table.<\/p>\n
If you’ve been avoiding life insurance because you assume you won’t qualify, that assumption is costing you protection you might actually be eligible for. Johnson Insurance Agency in Lacey, WA can walk through your specific situation and figure out what’s realistically available, no guessing required. Check out our life insurance page<\/a> or give us a call to talk it through.<\/p>\n","protected":false},"excerpt":{"rendered":" “Wait, Can They Actually Turn Me Down?” Short answer: yes, though it’s rarer than people assume. Johnson Insurance Agency gets this question a lot from folks in Lacey who’ve put off applying for life insurance for years because they’re convinced some past health issue or lifestyle choice automatically disqualifies them. Usually, that fear is bigger […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[13,15,23],"class_list":["post-90","post","type-post","status-publish","format-standard","hentry","category-life-insurance","tag-johnson-insurance-agency","tag-lacey","tag-life-insurance"],"aioseo_notices":[],"aioseo_head":"\n\t\t\n\t\n\t\n\t\n\t\n\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t\n\t\t