Should I get a second opinion on my life insurance application offer?

Yes — particularly if your initial application results in a higher premium than expected, an adverse rating, or a decline. A second opinion in life insurance means applying with a different carrier or having an agent review the underwriting decision.

Rating differences across carriers: the same applicant can receive meaningfully different offers from different carriers. A carrier that rates a specific health condition harshly may offer a standard or near-standard rate at another carrier that specializes in that condition's underwriting.

Formal reconsideration: if you disagree with an underwriting decision, you can request a formal reconsideration through your agent. This involves providing additional medical records, letters from treating physicians, or updated test results that support a better classification.

Different application approaches: some carriers are more favorable for specific occupations, activities, or health histories. An experienced agent who works with multiple carriers can identify which carriers are most likely to view your profile favorably.

For declined applicants: a declination from one carrier does not mean all carriers will decline. Impaired-risk specialists and carriers that focus on difficult-to-insure applicants may offer coverage where a standard carrier cannot.

Nevada applicants who receive unexpected results should consult with an agent in our network to evaluate options. Actual outcomes vary by carrier and individual circumstances.