Question Declined disabilty b/c of diving

[JustinLoos1985]

Hello,

37 year old man here. I don’t smoke or drink. I’m on no medications and have no preexisting conditions. I was recently declined a long term disability policy by MassMutual because I scuba dive in quarries. I informed them I dive in my local quarries 50-75 times per year and stay in recreational depths. Has this happened to any of you? Any advice or suggestions?

I carry the highlest level of DAN insurance so my diving is covered already.

 

[Marie13]

Did they ask about diving?

 

[JustinLoos1985]

Yes they have a detail list of questions about diving. They ask every potential client.

 

[BoundForElsewhere]

I would imagine it would depend on the disability. I really have no idea, though.

 

[ScubaJCBS]

Reapply they most alway decline first time, may have to get an attorney as well it's. This is from a close friend of mines experience when he applied after being shot in the line of duty.

 

[Zef]

We're you denied a policy or were you denied coverage of a policy you have purchased?

-Z

 

[JustinLoos1985]

We're you denied a policy or were you denied coverage of a policy you have purchased?

-Z

I had no incident. I’m trying to purchase a policy.

 

[ThatDogDontHunt]

I had no incident. I’m trying to purchase a policy.

This is normal.

You will need to shop around to find a different insurance provider that either does not consider scuba to be a hazardous activity or else understands enough about scuba diving to sell product to recreational divers.

Hazardous Activity: Meaning, Alternate Coverage, Example

Hazardous activities fall under a life insurer's definition of high risk and could prevent a person from approval. Such individuals may need specialized high-risk life insurance policies.

www.investopedia.com

 

[JustinLoos1985]

This is normal.

You will need to shop around to find a different insurance provider that either does not consider scuba to be a hazardous activity or else understands enough about scuba diving to sell product to recreational divers.

Hazardous Activity: Meaning, Alternate Coverage, Example

Hazardous activities fall under a life insurer's definition of high risk and could prevent a person from approval. Such individuals may need specialized high-risk life insurance policies.

www.investopedia.com

Thank you. I was just shocked that I was declined because I “dive in quarries.”

 

[ThatDogDontHunt]

Reapply they most alway decline first time, may have to get an attorney as well it's. This is from a close friend of mines experience when he applied after being shot in the line of duty.

The question is about purchasing product, not about making a claim for an existing policy.

Reapplying will have the same result as most underwriting is now automated. The only way to get a different result is to submit different answers.