I am a 29 year old non-smoker, mother of one, married woman who is the picture of health. However, LV have just denied me life insurance "for health reasons" (really specific, as you can tell).

My husband and I have wracked our brains as to what grounds I could have been denied on, and the only thing we can come up with is that I was diagnosed with Chronic fatigue syndrome 4 years ago.

I have not, however, had any symptoms or received any treatment for this in the last 3 and a half years, and all my health records reflect this. In addition, Chronic Fatigue is not a fatal illness so should have no bearing on receiving insurance if I die.

Can anyone tell me whether LV are within their rights to reject me, and what the chances are of me getting this decision overturned? As it is unjustified, what recourse do I have for further action?
I understand that this is a pre-existing condition, but the apploication is for life insurance, not health insurance. Surely if you can't die from it, then it's irrelevant to a life insurance application?

Life insurance companies each have their own underwriting guidelines which determine what type of risk they will accept for life insurance.

There are a few options you may have for pursuing coverage:

1. Use a life insurance quote service online that offers life insurance quotes from a network of more than 50+ life insurance companies. That way you may find a quote from a carrier that specializes in insuring people with Chronic Fatigue Syndrome.

2. Contact an independent life insurance agent in your area who has access to many life insurance companies to see if you can get a quote for coverage from some life insurers.

3. Consider life insurance with no medical exam required. Some of these insurers offer coverage to people who may have a specific health issue, but they may charge a higher premium.

4. Guaranteed Issue life Insurance - These are usually the most expensive policies, but they guarantee acceptance, usually, if you are between 45-75 years old.

I hope that gives you some ideas. Best of luck to you.