Close this search box.

Exclusion Riders—Not Always Too Exclusive

Like to discuss this further?

Occasionally I take an application from a doctor who has a history of an injury, disease, or other disorder that has a higher than normal risk of causing future problems. Rather than decline the application, often insurance underwriters will agree to issue a regular policy that covers everything except that problem. This allows the applicant to still get a policy and have everything else covered at a fair premium rate.

These exclusions are not always completely exclusive, however. The intent of many of these riders is to exclude just the preexisting condition – not all situations that involve the affected area.

For example, suppose a physician had a knee injury and repair before applying for his disability insurance. The policy might exclude any injury or disorder of that knee. However, if the doctor got in a car accident that injured the knee, and the accident would have injured the knee in spite of the pre-existing condition, the insurance company would probably still pay the claim.

For some types of riders, we can even get the company to write a letter to the applicant explaining this. The letter will say something like, “If the pre-existing condition is not a contributing factor toward the disability involving the knee, then it would be a paid disability.”

If you were hesitant in the past to consider a policy because of a pre-existing condition, let’s talk. They policy that works best in your situation may surprise you.

Let's Discuss Your Future

This field is for validation purposes and should be left unchanged.

Related Posts

What is your specialty?


Exclusion Riders—Not Always Too Exclusive