If a Insurance Company turns you down for a policy, try another company.

Each Insurance Company uses different methods and factors to decide whether or not to insure you.

Here is a good example. If you have high blood pressure that you control with medication, one company might reject you while another company may accept you. Just don’t give up searching.

If you have a medical problem it’s a good idea to talk it over with your doctor. Treatment may improve your condition enough to meet company standards or the company may qualify you as a special risk at an adjusted premium.

You should also want to check on group life insurance. Some group plans do not require a medical exam or health histories from your doctor.

Insurance Companies are part of the free enterprise system and within certain limit they can select those individuals they want to insure.

However they are not free to turn down coverage without a valid reason.

Insurers cannot refuse insurance to anyone based on:

• sex
• martial status
• race
• creed
• color
• national origin

It is also against the law to deny coverage to domestic violence victims, people with a sensory, mental or physical problem.