Just had a very good client declined for coverage because of Lexis Nexis report. I've known this person for a long time and was shocked with a total decline for a $250,000 term policy. She fit the Preferred Plus category. Now she has a decline on her record. She will call Lexis Nexis and get the results but I want to know how common this is. It has to be credit related from years ago, a lot of Americans have bad things in their credit. She has a clean driving record and no criminal history, they own their own home and are self-employed. Now I'm concerned about writing people on these Non-med term policies. Is there a way to find out who uses Lexis Nexis and how to find out more about how it all works. How many years do they go back, etc?