What is the name of your state? California
I applied for a life insurance policy and was told I did not qualify for their preferred rates but was offered a "RATED" policy at 4 times the preferred rate. The underwriters claim that the results from a stress test taken during a routine physical in 2004 showed abnormal tracings yet my doctor has repeatedly said the test was perfectly normal. In addition now the insurance company is saying they need more information to properly evaluate the stress test but in the meantime have left the "RATED" designation on the books. I am perfectly healthy, non smoker, non drinker and my parents are healthy in their late 70's. All of my numbers are within the normal range on the medical exam the insurance company ordered with the exception of my LDL which is only 10 points higher than normal. How do I fight the "RATED" designation and get it removed from the database so that I can get a life insurance policy with a decent premium? I feel like the underwriters/insurance company has done something illegal/immoral. Thanks for any advice you can offer.
I applied for a life insurance policy and was told I did not qualify for their preferred rates but was offered a "RATED" policy at 4 times the preferred rate. The underwriters claim that the results from a stress test taken during a routine physical in 2004 showed abnormal tracings yet my doctor has repeatedly said the test was perfectly normal. In addition now the insurance company is saying they need more information to properly evaluate the stress test but in the meantime have left the "RATED" designation on the books. I am perfectly healthy, non smoker, non drinker and my parents are healthy in their late 70's. All of my numbers are within the normal range on the medical exam the insurance company ordered with the exception of my LDL which is only 10 points higher than normal. How do I fight the "RATED" designation and get it removed from the database so that I can get a life insurance policy with a decent premium? I feel like the underwriters/insurance company has done something illegal/immoral. Thanks for any advice you can offer.