I applied online for a term life insurance and got a paramed come over to my house to give me an examination. A few weeks later I received a call and they said that I was approved but at table rates (tier 3) which is substandard. She said that I was 3 points away from a Standard rating.
Today I got the offical letter and it says that their offer is table C (175%) non-tobacco. They were unable to provide coverage as applied due to abnormal labs.
Now I'm freaking out - ABNORMAL LABS!. I wrote a letter to them requesting the exam results and I also declined the offer.
Abnormal Lab results is a scary thing to read, not sure what that means. I guess what is really scaring me is (god forbid) AIDS or HEP C. It has been about a month since my examination, if it was something as serious as HIV or HEP C would they wait that long to notify me and would they even offer me coverage at all? Can someone please ease my concern about that. This is for New Jersey and the Insurance copany is ING/ReliaStar LIfe
Today I got the offical letter and it says that their offer is table C (175%) non-tobacco. They were unable to provide coverage as applied due to abnormal labs.
Now I'm freaking out - ABNORMAL LABS!. I wrote a letter to them requesting the exam results and I also declined the offer.
Abnormal Lab results is a scary thing to read, not sure what that means. I guess what is really scaring me is (god forbid) AIDS or HEP C. It has been about a month since my examination, if it was something as serious as HIV or HEP C would they wait that long to notify me and would they even offer me coverage at all? Can someone please ease my concern about that. This is for New Jersey and the Insurance copany is ING/ReliaStar LIfe