drugs), and your age (50-year-olds won't live as long as 25-year-olds). In states that allow it, your gender will affect your risk profile; women live longer than men. These things are not decided on a whim; they're based on actuarial projections. Does a poor risk profile mean that you won't get the insurance? In some cases, yes. It's more likely, however, that the insurer will offer to provide you coverage, but at a higher premium rate than you'd have to pay if you were a better risk. You have the right to dispute the rating you're given; if you want to do so, get your insurance agent involved. Sometimes, additional medical tests or other information might make a difference in your favor. Of course, you can decline the insurer's offer and try to buy a policy elsewhere. However, the information on your application and the results of your medical tests will be codified and forwarded by the insurer to the MIB, where it will become part of your file that's available to any subsequent insurer. Unfortunately, when that's the case, shopping around for life insurance may only turn up the same goods at the same price--or at a higher one.
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