Affordable Life Insurance Protection for Your Family

Can Life Insurance Be Denied?

Is It Possible for Someone to Be Denied Life Insurance Coverage?

Can Life Insurance Be Denied?

Yes. You can be denied coverage for life insurance.

Insurance companies are in business to make money. So, they follow guidelines on how they underwrite risk (applicants) they will insure for life insurance. 

If a person applies for life insurance and does not meet the requirements for acceptance, then they may be denied coverage by the insurer.

Common Reasons for Denial of Life Insurance


There are many reasons someone may be turned down when they apply for a life insurance policy. Some of the more common reasons for decline include the following:

  • Age – Many insurance carriers will not insure someone over age 80 or 85.
  • Health – If you have poor health or a chronic condition, you may be turned down.
  • Driving History – A history of multiple DUIs.
  • Substance Abuse – A history of Alcoholism and/or Drug Abuse.
  • Criminal Record – Anyone with a felony conviction may be denied.
  • High Risk Occupation – Including but not limited to loggers, roofers, electrical power line work, drivers, farmers, ranchers, construction, airline pilots, etc.
  • High Risk Hobbies – Skydiving, scuba diving, flying/pilot, base jumping, etc.
  • Over Weight or Obese – Being overweight can lead to severe health complications, including cardiovascular issues. Being overweight combined with other health issues may lead to a decline for coverage.
  • Income Limitations – Some insurance companies won’t write a life insurance policy for someone whose income is below a certain level, or someone who has had a recent bankruptcy.
  • Elevated Cholesterol, Lipids and Triglycerides – A combination of high LDL cholesterol and low HDL cholesterol puts you at a higher risk of heart disease and stroke.
  • Elevated Liver Function – This can be an indication of inflammation or damage to the liver cells.
  • Blood or Protein in the Urine – This can be an indication of kidney disease.
  • A History of Cancer – If you have had cancer before, or your family has a history of cancer.
  • Previous Declines on Life Insurance Applications – You may find it difficult to get insured if the decline was due to lying about your health on the application.
  • AIDS or HIV – Some insurers may decline you if you have HIV or AIDS.
  • High Levels of Glucose or Blood Sugar – This can be an indication of diabetes.
  • Hepatitis – A recent diagnosis of hepatitis B or C may be cause for decline.


Options for Life Insurance


When you apply for a life insurance policy there are a few different results you may receive back from the insurer:

  • Approved at the Premium Offered
  • Approved at a Higher Premium
  • Approved for a Lower Amount of Life Insurance
  • Declined for Coverage


Options After Being Denied Life Insurance


If you have been turned down for life insurance for any reason, you may still have other options available to you.

  1. Contact another Insurance Company
  2. Contact a Broker Specializing in High Risk Life Insurance
  3. Buy Guaranteed Issue Life Insurance
  4. Get Group Life Insurance through your Employer


How to Appeal a Life Insurance Application Denial?

If your life insurance application is declined, the first thing you should do is talk to your life insurance agent or broker. They’ll probably contact you first – when informing customers that they’ve been declined, life insurance companies tell the broker first and then send the shopper a letter directly.


Why Was My Life Insurance Application Declined? 

Contact the insurer and find out in writing exactly why you were denied life insurance coverage.

If it was based on your medical exam and lab results, ask for a copy of all results and ask if you can take another blood or urine test.


Talk to Your Life Insurance Broker

Ask your insurance broker if there are any insurance companies you can apply to that specialize in insuring people who are considered a high risk.


Alternative Life Insurance Plans

Look into purchasing life insurance coverage with guaranteed approval.


Group Life Insurance

Ask about the group life insurance plan provided through your employer at work. These plans usually accept anyone who is employed by the company. You may or may not have to pay for all or part of the premiums charged for an employer provided life insurance plan.


Declined – Guaranteed Issue Life Insurance

If you’ve been declined for any of these reasons, and you don’t think you can get coverage, one of the options is to apply for a guaranteed issue life policy. 

There is no application process and you can be protected in a matter of minutes.

Let’s walk you through the guaranteed acceptance life insurance process.

First, you pick an insurance company. Then you give them very simple information which includes your name, zip code, age, tobacco usage, and a couple of other simple questions.

After this, they are going to give you a rate, you give them payment information and that’s it! In as little as a few clicks, you can have life insurance protection. Here is the problem, they are more expensive and they offer a limited amount of life insurance.


Guaranteed Approval Life Insurance Quotes


Top Pick – Mutual of Omaha

Mutual of Omaha offers guaranteed acceptance whole life insurance for people age 45 to 85. Choose $2,000 up to $25,000 of coverage. Rates start as low as $8.84 per month. There’s no medical exam and no health questions. You cannot be turned down. You can get a quote and apply online now. Start Here to get a FREE Quote


  • Your life insurance policy comes with a 30 day Risk-Free, Money-Back Guarantee


Guaranteed Issue Life Insurance for Those Declined Coverage

Life Insurance for Uninsurable People

Can Life Insurance Be Denied?

Disclosure: Compensated Affiliate