Last Updated on March 31, 2021
4. Having A Profession That Involves More Life Risks
When analyzing the insurance claim, companies consider lifestyle, age, medical history, insured capital, term, and, mainly, the applicant’s profession. Each insurer has its policies, values, and coverage. However, there is a trend. Generally, insurers do not agree to contract with professionals who perform high-risk activities. This includes policemen, firemen, private investigators, divers, pilots, and motorcycle couriers. For they are the ones who have the greatest chance of an accident resulting in death or disability. the insurer also consideres leisure and lifestyle habits. The habit of mountaineering, base jumping, or rock climbing can be enough to have denied life insurance.
