Inscrit le: 22 Mai 2018
|Posté le: Mar 29 Mai - 07:24 (2018) Sujet du message: Life Insurance for person with false "Alcoholic"
A good friend of mine named Frank is not much of a drinker. However, last summer he did go to a concert with me and consumed mass quantities of alcohol as he was having a good time. To the extent that he felt bad enough the next day to go to a local clinic where they ran an IV into him for hydration and gave him some pills to take for a couple days. This winter he applied for some life insurance though a big company we've all heard of. This was to supplement his employer-provided life insurance which required no medical investigation. Apparently the doctor in the clinic diagnosed him with alcoholism (even though the guy drinks maybe two nights a year) and his life insurance application was denied based on big insurance company's "background check" that revealed said diagnosis, and life insurance companies don't want to insure people who get drunk every day. Knowing that I know he is not a boozehound, he asked me for advice on how to proceed with getting more life insurance. I have no idea how to cancel out or get around the false diagnosis so I figured I'd ask here. My understanding is that being denied for life insurance previously is pretty much a deal killer on any subsequent application. Will he be able to get life insurance at a normal rate?
I didn't find the right solution from the internet.
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