sandlapper3
New member
My apologies, I truly don’t know much about how Insurance works. Background: My hubby(41M) is asthmatic and on medication for ADHD. More than 10 years ago he was arrested and incarcerated. Since being released he has turned his life around. Owns a successful business, we have 2 children, and has had not a single interaction with the police, not even a speeding ticket. He has applied for life insurance twice on the last 8 years and gets denied because of his arrest well over 10years ago. The underwriters state “high risk lifestyle”. He doesn’t smoke, doesn’t do drugs, and has a couple beer here and there. He is a small business owner and a dedicated father and spouse. He takes our daughter to school, son to daycare, goes to work and comes home. There is nothing high risk about his lifestyle now or for the last 10 years.
He’s just wanting to “be a responsible husband and father and make sure my family is taken care of after I’m gone”. Both times he applied through our home and vehicle insurance agent - even the agent saw no reason for him to be denied.
What other suggestions are there? He can’t possibly really be “uninsurable” can he?
We would appreciate any and all suggestions and advice you can offer!
EDIT: we are in Ontario, Canada
He’s just wanting to “be a responsible husband and father and make sure my family is taken care of after I’m gone”. Both times he applied through our home and vehicle insurance agent - even the agent saw no reason for him to be denied.
What other suggestions are there? He can’t possibly really be “uninsurable” can he?
We would appreciate any and all suggestions and advice you can offer!
EDIT: we are in Ontario, Canada