Affordable Life Insurance Protection for Your Family

Denied Life Insurance Coverage

Have You Been Turned Down for Life Insurance?

If so, you may be wondering why you were unable to get insured, and how you can get insured.


What Can Get You Denied a Life Insurance Policy?

  • Physical Health. Many life insurance providers take your physical health into account.
  • Mental Health History. Unfortunately, many life insurance companies will deny coverage if you have a history of mental health issues.
  • Lifestyle Choices.
  • Age.
  • Occupation.
  • Criminal Record.
  • Driving Record.
  • Financial Reasons.

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When you are denied a life insurance policy, it can be a difficult and often times confusing experience.

The reason for your denial could result from any number of factors, but don’t let that get you down. There are many life insurance carriers, and they don’t all follow the same guidelines for approval of an applicant for life insurance coverage.

Now, let’s take a closer look at some of the most common reasons an insurance company may deny you for life insurance coverage. 

Physical Health

Many life insurance providers take your physical health into account. You may suffer from high cholesterol, obesity, diabetes, or other chronic illnesses. With any major health condition, the life insurance company will view you with more risk. 

Depending on the severity of the health issue and the life insurance company, you may be denied coverage. 

Mental Health History

Unfortunately, many life insurance companies will deny coverage if you have a history of mental health issues. Not all life insurance providers look at mental health issues in such a negative light, but many will deny coverage if you have a history of anxiety, PTSD, or self-harm. 


When you apply for life insurance, the application will ask questions about your habits. If you have dangerous hobbies or an unhealthy lifestyle, then you might be denied coverage. 

A few examples of dangerous hobbies include skydiving, bungee jumping, rock climbing, and race car driving.

Other lifestyle choices, such as maintaining an unhealthy weight or smoking, could negatively affect your future health. With a higher chance of a problem in the future, you might receive higher rates or be denied altogether. 


In general, it can be more difficult to secure life insurance coverage as you age (which is why it’s so important to buy young). When you get older, life insurance companies will view you as more of a risk. 


Many of us spend a large part of our lives at work. Since some jobs are much more dangerous than others, it makes sense that your occupation will affect your rate for life insurance. 

After all, working safely behind a desk is less risky than working on an oil rig or being a firefighter. 

A few of the more dangerous professions include:

  • Pilots
  • Loggers
  • Truck Drivers
  • Farmers
  • Police
  • Construction Workers
  • Roofers
  • Garbage Collectors
  • Fishers

It can be more challenging to get approval if you work in a dangerous industry. Even if you can find coverage, you will likely pay much higher rates. 

Financial Reasons

Your personal finances can play a big role in whether or not you qualify for life insurance coverage. Many insurers will look at your credit history report to determine if you have any previous bankruptcies or outstanding debt. Additionally, a life insurer will look at your income to determine if you can afford the amount of coverage you are trying to purchase.

If you have a recent bankruptcy or high amount of debt, your ability to secure coverage may be in jeopardy. But some insurers may be willing to work with you to help you get insured. 

Criminal Record

If you have a criminal record, then you may be denied life insurance coverage. The reasoning is that you may engage in a high-risk lifestyle if you have a record.

But each insurance company will treat your criminal record on a case by case basis. The circumstances and severity of the crime will be considered before they offer and deny coverage. 

If you are currently being charged with a felony, you will not be able to secure coverage until the charges are tried in court or dismissed. Additionally, you cannot apply for life insurance if you are currently in jail or on probation. 

Driving Record

With a bad driving record, you pose a higher risk for the insurer. A history of reckless driving habits point to a higher risk of death.

Depending on your driving record, you might be denied coverage or faced with higher rates for your life insurance policy. 


Life Insurance Quotes


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