I’m located in the US, and am a 33yo woman. I was denied life insurance based on a rare genetic disorder (hereditary alpha tryptasemia). One of the symptoms of this is random anaphylaxis.

    I see a specialist for this and since being treated my episodes of anaphylaxis have resolved entirely. I receive a monthly injection that manages that symptom completely. I have been getting this injection for almost 3 years.

    I don’t believe that the insurance company reviewed my records adequately, since I received notice that they had gotten them on the 15th of this month and yesterday received the rejection letter from them dated 8/12.

    Additionally, when speaking to an another insurer about qualifying, because the condition is rare, it did not appear on any of the drop down menus or options for the agent to select. Because of this they spoke to an underwriter, who also had no idea what the condition was, or how it was treated, but because I had been rejected by another company informed me that I would be rejected by all of the others as well.

    Do I have any options? I live a healthy lifestyle with a good diet and exercise, I have never smoked or drank, and I work a full time job and own two small businesses, and the other chronic conditions I have are not life threatening (migraines and cystitis of the bladder that is well controlled).

    Any guidance would be appreciated. It feels like I am being discriminated against because they don’t understand the condition/are unfamiliar with it.

    Denied Life Insurance- Looking for Guidance
    byu/aweirdglow inInsurance



    Posted by aweirdglow

    1 Comment

    1. NotQuiteGoodEnougher on

      You should talk with an insurance broker in your state who can look into policies specifically for your issue.

      Be prepared that you may have a medical exam, blood tests and likely exclusions in your policy around your issue.

      But someone will underwrite you.

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