Mutual Life Insurance
Mutual Life Insurance
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SOUTHFIELD MI MacCabees Mutual Life Insurance HO postc $2.99 |
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R47a CT. Mutual Life Insurance Co. Handstamp Cancel $50.00 |
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R58a CT. Mutual Life Insurance Co. Handstamp Cancel $50.00 |
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R58a CT. Mutual Life Insurance Co. Handstamp Cancel $40.00 |
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R58a CT. Mutual Life Insurance Co. Handstamp Cancel $25.00 |
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VINTAGE 1940′S JOHN HANCOCK MUTUAL LIFE INSURANCE AD $10.49 |
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1944 Mutual Life Insurance Co Woman Man Bicycles Ad $6.99 |
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Massachusetts Mutual Life Insurance Springfield MA $3.00 |
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CONNECTICUT MUTUAL LIFE INSURANCE STORY William Cahn $9.99 |
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1st Elliptical Building Phoenix Mutual Life Insurance $1.99 |
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1943 vintage ad for Penn Mutual Life Insurance $9.99 |
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Australia KGV Advertising Cover Mutual Life Insurance $12.39 |
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1868 Receipt, THE ST. LOUIS MUTUAL LIFE INSURANCE CO. $4.50 |
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1935 VINTAGE PENN MUTUAL LIFE INSURANCE COMPANY AD $4.99 |
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1917 MUTUAL LIFE INSURANCE WATERLOO ON ARMY WAR WWI AD $5.99 |
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1942 Mutual Life Insurance Ad Soldier Reads Moms Letter $4.99 |
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50s MUTUAL LIFE insurance AD~EASTER Nest Eggs~MOM/SON $5.43 |
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Ink Blotter National Mutual Benefit Life Insurance $12.99 |
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Original 1939 MUTUAL LIFE INSURANCE Ad Advertisement $8.99 |
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1949 VINTAGE MUTUAL LIFE INSURANCE COMPANY PRINT AD $4.99 |
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James McDowell Connecticut Mutual Life Insurance Co Adv $25.00 |
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MUTUAL LIFE INSURANCE COMPANY VINTAGE AD~MONY~BUSINESS~ $7.99 |
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VINTAGE 1959 AD:MASSACHUSETTS MUTUAL LIFE INSURANCE CO $5.95 |
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1942 VINTAGE THE MUTUAL LIFE INSURANCE COMPANY AD $4.99 |
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1965 Massachusetts Mutual Life Insurance Company Ad $8.99 |
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Connecticut Mutual Life Insurance 1852 Statement $6.00 |
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1964 Mutual Life Insurance Co VINTAGE Ad Happy Customer $4.99 |
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R6c N.Y. Mutual Life Insurance Co. Handstamp cancel $5.00 |
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R35c N.Y. Mutual Life Insurance Co. Handstamp cancel $5.00 |
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R35c N.Y. Mutual Life Insurance Co. Handstamp cancel $5.00 |
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R44a N.Y. Mutual Life Insurance Co. Handstamp cancel $25.00 |
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R44a N.Y. Mutual Life Insurance Co. Handstamp cancel $25.00 |
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R44a N.Y. Mutual Life Insurance Co. Handstamp cancel $25.00 |
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R44c N.Y. Mutual Life Insurance Co. Handstamp cancel $5.00 |
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R44c N.Y. Mutual Life Insurance Co. Handstamp cancel $5.00 |
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R44c N.Y. Mutual Life Insurance Co. Handstamp cancel $5.00 |
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PENN MUTUAL LIFE INSURANCE COMPANY ADVERTISEMENT 1934 $2.24 |
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1961 Mutual Life Insurance Co Ad Baseball Game Score! $4.99 |
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1876 CENTENNIAL TRADECARD PENN MUTUAL LIFE INSURANCE CO $100.00 |
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1960 John Hancock Mutual Life Insurance Company Ad $5.00 |
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12 X 18 Stretched Canvas Poster Great Eastern Mutual Life Insurance Company of Baltimore $49.99 This image is one a collection of vintage art, this excellent quality and durable Canvas Print measures 12 X 18 inches and arrives ready to hang on the wall with all necessary accessories already in place. The Canvas Print is stretched over a sturdy wood frame for maximum stability and tautness. Canvas prints are Gallery Wrapped. This means that the image will go around the edge of the stretched… |
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1900 Office Cornhill Mutual Life Insurance New-York Usa $16.75 Old Antique Historical Victorian Prints Maps and Historic Fine Art———-. 1900 Office Cornhill Mutual Life Insurance New-York Usa Page From An Issue Of 1900 . Wood Engravings From . The Illustrated London News . Would Make An Ideal Gift . Victorian Social History . The Actual Date Is Ususally Printed On Each Page . This Print Is Over 100 Years Old. And Is Not A … |
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1905 The Mutual Life Insurance Co NY Building Print Ad An original vintage magazine ad print from the year published. Print ads make unique gift items that can be framed as artwork. Shipped flat un-framed in plastic sleeve with backing board…. |
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Traditional Crafts of Japan Volume 2: Dyeing, Kyoto Yuzen Volume 2 of the Traditional Crafts of Japan series produced by Meiji Mutual Life Insurance for distribution in libraries…. |
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Traditional Crafts of Japan: Paper-Making … |
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Mutual Life Insurance Ad from April 1938 If you are looking for an unusual piece of art, to decorate a home or office, these truly “limited-edition” prints are perfect. Vintage prints are extraordinary snapshots of our past. As conversation pieces they are unequaled. This beautiful old print is an actual piece of our history. Any of these, increasingly rare, works of art are also some of the most thoughtful (and personal) gifts you can g… |
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Black Business in the New South: A Social History of the NC Mutual Life Insurance Company $23.95 At the turn of the century, the North Carolina Mutual Life Insurance Company became the “world’s largest Negro business.” Located in Durham, North Carolina, which was known as the “Black Wall Street of America,” this business came to symbolize the ideas of racial progress, self-help, and solidarity in America. Walter B. Weare’s social and intellectual history, originally published in 1973 (Univers… |
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2010 Special Report: Global Mutual Insurance Market Review. Mutuals Maintain Momentum, But Challenges Mount $1.99 Although the mutual sector has stood out during the economic downturn, A.M. Best believes any advantages that mutuals currently have over conventional insurers could be short-lived as economies around the world continue to recover. … |
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Pa. suit filed challenging new demutualization law. (Donald H. Nikolaus sues Pennsylvania insurance department and Old Guard Mutual Insurance Co.): An … & Casualty-Risk & Benefits Management $5.95 This digital document is an article from National Underwriter Property & Casualty-Risk & Benefits Management, published by The National Underwriter Company on January 13, 1997. The length of the article is 841 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available in your Amazon.com Digital Locker immediately after purchase…. |
Healthy and Turned Down for Life Insurance? Here’s What to Do
You are in good health and you see your doctor regularly, so what should you do now that you were turned down for life insurance based on the results of the medical exam?
The first step is not to panic. While it is possible that a life insurance medical exam can reveal serious health problems of which you might not have been aware, in many cases you may be denied insurance or charged higher premiums simply because the medical underwriter found something troubling that he or she could not explain from your medical history.
Medical underwriters specialize in classifying risks, and when they find something abnormal high levels of liver enzymes or blood sugar results that are off the charts, for example in many cases they will decline or postpone a decision rather than make a guess as to the nature of the problem and the medical risks involved.
“We are in the risk-assessment business, not the diagnosis business,” says Dr. Stephen Zimmerman, chief medical director for American General Life Cos.
Your Next Steps
First, ask the insurance company for the specific details of your life insurance application denial. All states have laws requiring an insurance company to provide the specific reasons for any declination.
Some states permit the information to be sent directly to the applicant. In other states, any medically related reasons must be sent to a physician of your choice. If the reason you were denied life insurance was lab work done as part of your application, a copy of the lab work will be sent to your doctor. If the reason was information contained in a physician’s report, the specific reason, and possibly a copy of the report from which the information came, can be sent to a doctor to be reviewed with you.
Once you know why you were denied life insurance, go to your doctor. You and your doctor should find out if there is something wrong with your health, and stories abound about life insurance applications that have saved lives by alerting the applicants to serious medical problems. Even if all tests come back negative, you may face some challenges in buying life insurance in the future unless the trouble area is cleared up.
You see, insurance companies have access to the results of your previous insurance exam through the Medical Information Bureau (MIB), a clearinghouse of medical information that insurers share, and while you can request your MIB file and have outright errors removed, the results of your test, although unfavorable and perhaps unexplained, may not be wrong.
When you next apply for life insurance, you will probably need to make an argument to the insurer as to why it should offer you a policy (or a policy at a better price), even if you apply to a different insurer. Fortunately this may not be hard.
Providing the life insurance company with the results of tests that show you do not have medical conditions associated with the results of your insurance medical exam can go a long way toward helping you go from no life insurance to being able to buy an affordable life insurance policy.
“The tests you’ve taken will allow the insurer to exclude some serious diseases,” says Dr. Robert Gleeson, a vice president and medical underwriter at Northwestern Mutual Life Insurance Co. “Each negative result on a medical test would make me feel better and better about underwriting a case like this.”
It is up to you, however, to make sure that the insurer has that information because even favorable tests can sometimes slip through the cracks. So be sure that your doctors have sent all of the relevant tests to the life insurance company, and that the insurer knows how to contact all of the doctors who treated you.
You should also make your case to your insurance agent. Life insurance agents can help you argue for a better-priced policy and can make sure all of your medical information gets to the right people.
About the Author
Amy Danise is a staff writer for Insure.com. Visit Insure.com for a comprehensive array of comparative auto, life and health quotes, including a vast library of originally authored insurance articles and decision-making tools that are not available from any other single source. Insure.com is dedicated to providing impartial insurance information to consumers. Visitors can obtain instant insurance quotes from more than 200 leading insurers, achieve maximum savings and have the freedom to buy from any company shown.