[Your letterhead, if desired; if not, your return address]
[Date of letter-month, day, and year]
[Recipient's first and last names]
[Street or P.O. box address]
[City, State ZIP code]
Dear [recipient's name]:
We are writing to notify you that we have reviewed your health insurance application for your family. After careful consideration, we regret that we are unable to offer you an insurance policy. This decision was made after considering numerous key criteria. In your case, because there are some pre-existing medical conditions in your family, we are unable to offer you coverage through our company.
If you need more information about this denial of insurance coverage, please do not hesitate to call or email us. We will be glad to answer any questions. If your situation changes, please consider our company for your future insurance needs. Thank you for considering our company as your potential insurance provider.
[Sender's first and last names]