Factors that Could Prevent You from Getting Life Insurance

Find out what circumstances could stop you from getting life insurance.Factors that Could Prevent You from Getting Life Insurance

Most Americans can agree that life insurance is one of the essential types of coverage they should have.  However, getting approved for life insurance can be easier said than done.  There are actually a number of factors that could make you ineligible for life insurance.  Here are some of the main factors that can affect your application.

  • Your Driving History

Over 30,000 people die in car accidents in the United States annually.  In many cases, reckless drivers caused these fatal accidents.  When you apply for life insurance, one of the things that the insurance company might look at is your driving record.  If your history contains many accidents, speeding tickets, or other serious offenses, then you might be considered too big of a risk to insure.

  • Your Risky Lifestyle

Some people are thrill-seekers and adrenaline junkies by nature.  However, if you have dangerous hobbies, then this could actually result in your life insurance application being rejected.  For instance, people who like to skydive, rock climb, or go white water rafting might have trouble getting approved for coverage.  The riskier your lifestyle is, the more cautious an insurer will be.

  • Your Job Requirements

If your job requires you to travel overseas frequently, this could actually lead to some insurance companies rejecting your application.  Insurers like to assign risk levels to different countries based on how likely you are to contract a serious disease there.  If you spend time in countries considered risky, you might have trouble getting access to the life insurance coverage that you need.

These are just a few of the factors that could make it difficult for you to get life insurance coverage.  Do you have more concerns regarding your personal insurance coverage?  Turn to the professionals at Desert Empire Insurance.  Our dedicated team is ready to address all your insurance needs.  Contact us to get started today.