However if you live in an area like New York your premium could cost more. Most insurance companies will underwrite your application by looking at your medical records for the past five years. If you have certain health conditions, you may not qualify. For example conditions that are progressive like Alzheimer's and Parkinson's you can not get a policy. Depending on your age, the insurance companies may also do a face to face interview in your home to see if you have any memory loss or cognitive impairments.
Every company has different underwriting guidelines.
Depending on why you were declined, or how long ago, you may want to apply again. All policies have to meet state and national guidelines. While some of the components of the policy are the same, there are many components that vary quite a bit from company to company. If you have additional questions that were not covered here we encourage you to contact us with an e-mail or give us a call.