Turned Down For Life Insurance? One "No" Isn't The Whole Market.
Life Insured By Chris launches the free "Second Look Review" for Americans who were declined, rated up or priced out because of diabetes, tobacco use, cancer history or other health conditions
WASHINGTON, D.C., November 17, 2026 — Life Insured By Chris LLC, a 2026 Entrepreneur Awards-winning independent life insurance brokerage, today launched the Second Look Review, a free program that re-shops coverage across 30 top-rated carriers for people who were turned down or quoted unaffordable rates in the past.
The launch coincides National Diabetes Month and the American Cancer Society's Great American Smokeout on November 19, two moments when millions of Americans managing health conditions are thinking about their future.
"I hear it every week: 'I already tried, they said no,'" said Christopher C. Franklin, founder of Life Insured By Chris. "What people don't realize is that they usually tried one company and received one company's decision. Underwriting isn't uniform across insurance companies. One carrier may penalize well-managed Type 2 diabetes heavily while another treats it far more favorably. A smoker who quit last year, or a cancer survivor five years out, can look completely different to the right carrier. My job is to know which door to knock on."
The Second Look Review:
- Reviews the applicant's prior decline, rating or quote and current health profile
- Matches them against the underwriting guidelines of 30+ carriers, including health-friendly, no-medical-exam and guaranteed-issue options
- Explains in plain language what each option covers, what it costs and any waiting periods
- Takes about 15 minutes, at no cost and with no obligation
The Second Look Review is available October 17 through December 31, 2026, in all 20 states where Life Insured By Chris is licensed.
The price myth makes it worse: About three in four Americans overestimate what life insurance costs, and cost is the top reason people with a coverage need don't buy. (Source: 2026 Insurance Barometer Study, LIMRA and Life Happens.)
Book a Second Look Review at lifeinsuredbychris.com or call (202) 641-5953.
Approval is not guaranteed. Coverage availability, pricing and approval depend on the applicant's state, age, health history, underwriting and carrier.
About Life Insured By Chris Life Insured By Chris LLC is an independent life insurance brokerage based in Washington, D.C. Led by licensed producer Christopher Franklin; the brokerage compares coverage from 30 top-rated carriers and serves clients across 20 licensed states. It offers guidance on term life, whole life, final expense, mortgage protection, and no-medical-exam coverage. Its mission is to make life insurance simple, accessible, and personal through clear education and individualized support.
Media Contact Christopher C. Franklin
Owner and Independent Life Insurance Broker
Life Insured By Chris LLC
(202) 641-5953
christopher.franklin@lifeinsuredbychris.com
www.lifeinsuredbychris.com
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