Expert: Michael Feinberg, ChFC - 12/23/2004

Question
A friend didn't past the insurance medical test because of his weight and blood pressure rate about 2 months ago.?

He's lost about 20lbs and have gotten his blood pressure under control.

When you sign for term insurance with another company, do they usually asked about previouse medical test you've taken to gualilfy for the term insurance policy with other companies?  

Answer
Quite often you are asked about previous denials of insurance, but not always.  In addition, just having been declined in the past doesn't automatically mean that he would be unable to obtain new insurance.  They would independently look at his weight/blood pressure and all other medical issues at the time of application for the new policy.  Hope this helps!

-Mike Feinberg
President
Synergy Financial Services