Corrections to Health Record not Honored by Term Life Underwriter – Anything I could do?

I have been obtaining term life insurance quotes since February, but due to my immigration status, only a limited number of underwriters are willing to provide me with a quote.

Although I am a non-smoker, the agent told me after long wait in May that the underwriter categorized me as a smoker. This misclassification was based on inaccurate information in my health records, which stated that I am a nicotine user. Upon investigating further, it was revealed that a part-time nurse, who is no longer with my healthcare provider, had incorrectly documented this information. The agent informed me that the underwriter told him obtaining a doctor's letter confirming my non-smoker status or correcting the health record could prompt the underwriter to reconsider.

I contacted my healthcare provider, and my primary care doctor issued a letter stating that I do not use nicotine right away. The health record was also amended a few days later. However, after waiting for another three weeks, the response from the underwriter was disappointing. They claimed that "the doctor’s records they received and reviewed are NOT from the PCP who sent that letter you submitted.

So they will NOT adjust their rating."

I informed the agent of the amended health record by providing supporting documents, but it seems that they are also unconcerned about these updates. Unfortunately, I cannot obtain the requested letter from the nurse who originally documented the inaccurate information since they have left the healthcare provider.

I am quite frustrated with the outcome after such a long waiting period. I am now seeking advice on how to persuade the underwriter to accept the amended and accurate health records. Alternatively, should I insist that the agent approach another underwriter, or would it be better to seek assistance from a different agent altogether?

submitted by /u/kfcv50
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