What is the name of your state (only U.S. law)? California.
In my application I disclosed that I see a therapist and they contacted her to which she submitted her summary to them as per their request... then I received a denial letter and it said the decision was based upon information provided by her. I read the summary prior to her submitting it. It just stated that I was a patient of hers for 5+years and that I'm seeking mental health treatment. No details were disclosed (per my request). How in the world can they deny someone a life insurance policy who is merely seeking counseling? I get the possibilitiy of unstableness and suicide but that doesn't even make sense because the policy becomes void and no payout is warranted if suicide is deemed cause of death?! So, please explain. Thanks.
In my application I disclosed that I see a therapist and they contacted her to which she submitted her summary to them as per their request... then I received a denial letter and it said the decision was based upon information provided by her. I read the summary prior to her submitting it. It just stated that I was a patient of hers for 5+years and that I'm seeking mental health treatment. No details were disclosed (per my request). How in the world can they deny someone a life insurance policy who is merely seeking counseling? I get the possibilitiy of unstableness and suicide but that doesn't even make sense because the policy becomes void and no payout is warranted if suicide is deemed cause of death?! So, please explain. Thanks.