Has anyone been denied life insurance because of small bowel obstructions? My husband was recently denied because of "frequent small bowel obstructions." He's been hospitalized twice in the last 90 days, so that probably triggered the denial, but it still seems odd. Anyone else? Advice? Thanks.
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i was denied with colitis. dont know if thats common but thought id share.
Thanks for sharing. Was anyone able to contest their denial?
Life insurance underwriting seems to be neither rational nor intelligent. They treat anything they don't completely understand as a reason to deny rather than a reason to better understand the mortality risk. IBD has very little impact on mortality, particularly if the colon is removed, but I hold out very little hope of persuading the insurance underwriters of that - I've given up. I have taken advantage of life insurance whenever it doesn't require medical underwriting (e.g. through work).