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Old 12-17-2018, 07:41 PM
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Denied for life insurance!

So I applied for life insurance (on a bit of a whim, but also because as a contractor I have no life insurance through my job). Now, I am a smoker (I vape), so I was prepared for a bumpy road. However, according to my rejection letter I was denied because of my seizures and my schizoaffective disorder bipolar type!

I guess I'll have to keep looking. I always though USAA was great with insurance, but a quick Google search shows otherwise. At least I got a good deal with my car insurance and auto loan.

Epilepsy - Primary Generalized
Schizoaffective - Bipolar

Epilepsy Meds - Depakote, Topamax
SZA Meds - Depakote, Invega Sustena, Prolixin
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Old 12-17-2018, 08:32 PM
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Similar thing happened to me when I asked my work's insurance agent last year and I was told that a life insurance policy most likely wouldn't be accepted due to the fact that it's a pre-existing condition according to them.

Interestingly, I would be accepted for health insurance provided no claims for anything seizure or my shoulder related were made
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Old 12-18-2018, 05:51 AM
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Hi Res,

The same thing happened to me ins. co. would reject me or increase the rates way to high then I called the state ins. co. and reported this matter and I was able to get ins. with no problem so you may want to do the same thing. I wish you the best of luck and May God Bless You!

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