Denied life insurance?
Have You Been Denied Life Insurance
or Told That You Were
“Uninsurable”?
Have you applied for life insurance, only to be declined after weeks or months of waiting for the insurance company’s underwriter to review your case?
You may even have taken a medical exam, answered numerous requests for information or clarification of certain things found in your medical file, driving record, etc.
Maybe you never even applied for life insurance, but you were told by one or more agents or brokers that you were Uninsurable.
* I really don’t like that word, by the way *
I WILL HELP YOU SECURE LIFE INSURANCE
Regardless of the reason(s) you have been turned down for life insurance in the past,
if you are between the ages of 40 and 85 and live in one of the states listed below,
I would like to discuss your options for coverage.
Were you told that your application was declined because of a health condition, like:
- Cancer?
- Diabetes?
- COPD?
- PTSD?
- Depression or Anxiety?
- Bipolar Disorder?
- Heart Disease?
- Severe Hypertension?
Or that the reason you were declined coverage was because of certain medications that you’re taking, such as:
- Opioids for pain management?
- Blood thinners?
- Medical marijuana?
- Antipsychotics?
Or you maybe it was because of something in your past, or even one of your hobbies or avocations, like:
- A DUI or license suspension?
- A recent bankruptcy?
- An immediate family member’s death at an early age?
- Travel to certain countries?
- Scuba diving, mountain/rock climbing, racing, sky diving?
Were you told that your application was declined because of a health condition, like:
- Cancer?
- Diabetes?
- COPD?
- PTSD?
- Depression or Anxiety?
- Bipolar Disorder?
- Heart Disease?
- Severe Hypertension?
Or that the reason you were declined coverage was because of certain medications that you’re taking, such as:
- Opioids for pain management?
- Blood thinners?
- Medical marijuana?
- Antipsychotics?
Or you maybe it was because of something in your past, or even one of your hobbies or avocations, like:
- A DUI or license suspension?
- A recent bankruptcy?
- An immediate family member’s death at an early age?
- Travel to certain countries?
- Scuba diving, mountain/rock climbing, racing, sky diving?
Perhaps you weren’t even given a clear reason why you were denied life insurance coverage. Just a letter saying something like –
“After careful review of your application and medical records, we regret to inform you that we cannot extend coverage to you at this time.”
Gee, thanks…how helpful!
Maybe the person who helped you apply for life insurance didn’t reach out to you after your application was declined. Or maybe they simply didn’t know how to ‘pivot’ your case to get you coverage elsewhere.
* I don’t mean to speak poorly of anyone in my industry by saying this, only that not every agent/broker/advisor has the same skill set. Some are very niche oriented and work within a very narrow set of parameters as a business practice. If your case didn’t fall within those parameters, that person may not have had the resources to help you. *
My Proposition To You
I have helped a lot of people find life insurance after they were declined coverage or told they were “uninsurable“. Everyone’s situation is unique and sometimes we have to get creative in order to navigate the world of life insurance. That includes talking to underwriters before deciding where to apply for coverage, writing compelling and in depth cover letters to position you as an individual with a history, instead of just another “applicant” or “proposed insured” with this health condition or that risky hobby.
Since life insurance is really not a one size fits all product, I like to get a clear picture of why you want to buy coverage, who you want to protect in the event of your passing, what’s important to you in a policy and what your overall health & lifestyle look like. Once I have that information I can match you up with the life insurance companies that will look at your unique risk scenario most favorably, and provide you with the best rates.As a life insurance broker, I work with over 25 of top-rated life insurance companies, including Prudential, Mutual of Omaha, Protective Life and Banner just to name a few. So I’ll be looking at options for you with all of the top-rated companies.And by the way, there’s no cost to you for mine and my team’s services if we decide to work together and there’s no markup in life insurance. So the rates I’ll provide you will be the same as if you called dozens of insurance companies yourself or talked to a bunch of different brokers. Life insurance rates are set at the state level, so everyone’s looking at the same price sheet. I make the process simple and easy on you. My team & I will streamline the process of selecting the right policy for you, of applying for it and getting you through the underwriting process so that we can put the right coverage in place for you.
-Danny Gallant
Life Insurance Broker
GallantLifeInsurance.com
So let’s discuss your options!
Fill in the form below and I will be in touch.
From my family to yours…
Currently only available in the following states: CO, GA, MD, MI, NC, NJ, OH, PA, TN, TX, VA
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