Nobody likes rejection. And it really feels bad (and scary) to be rejected, officially called "declined," for health insurance coverage. We agents don't like it either, but it's a fact of life in our world and one we have to help clients with.

If you've been upfront about any health issues during early discussions with your agent, he or she should be able to give you an idea of what to expect in terms of underwriting outcomes. Most (but not all) carriers make available to agents a list of cond...
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