Affordable Life Insurance Protection for Your Family

How to Get Life Insurance After Being Denied

Options for Life Insurance After Being Turned Down

Have You Been Denied Life Insurance Coverage?

If so, you’ve come to the right place.

Because, you may still be able to get insured for life insurance. 

Actually, there are many people each year who are unable to get approved for life insurance, whether it’s due to age, health, occupation, hobby, lifestyle, smoking, or some other reason. 

How to Get Life Insurance After Being Denied

However, there’s good news. You may have a couple options for purchasing life insurance.


Guaranteed Acceptance Life Insurance


A guaranteed issue life insurance plan is quick and easy to get insured for and you may purchase up to $25,000 of life insurance. You cannot be turned down due to your health.

There are no health questions asked and you will not have to take any health examination. 

People ages 45 to 85 are guaranteed approval for a guaranteed life insurance policy.

You cannot be turned down due to any pre-existing health problems. Even if you have been denied life insurance from other insurance carriers, you can get insured if you meet the age requirements and live in a state Mutual of Omaha is licensed to issue this type of policy.

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


High Risk Life Insurance Fully Underwritten


If you choose to apply for life insurance that is fully underwritten you will be required to take a medical exam which is paid for by the insurance company.

The paramed examiner will come to your home and ask some questions about your health, and ask for a list of your doctors and all prescriptions you take.

The paramed exam will include checking your blood pressure and taking a sample of your blood and/or urine for testing.

The insurer will review your medical records and application to determine if you meet the requirements for approval.

A fully underwritten policy may offer you the option of purchasing a higher amount of life insurance than may be available through a guaranteed issue policy.

The main benefits of applying for a fully underwritten policy if you have been denied coverage is that you may qualify for coverage and be able to provide financial security for your loved ones.

With JRC Insurance Group you will have an experienced broker with expertise in placing life insurance for high risk people.

They have experience with insurance companies that offer life insurance to people with high risk factors that make it difficult to get insured for life insurance.


Top Pick – JRC Insurance Group

JRC Insurance Group helps you shop, compare and save on life insurance. Regardless of your age or health background, we'll shop our 40+ insurance companies and find you affordable life insurance you need to protect your family and fit your budget. Compare the best life insurance rates for savings up to 73%. Get Your FREE Quote


Common Reasons for Being Denied Life Insurance


  • Age – Some insurers will not insure people over age 75 or 80.
  • Weight – People considered obese may be declined coverage.
  • HealthPre-existing health conditions or a chronic illness.
  • Driving Record – Two or more DUI’s in the past 5 years.
  • Occupation – High risk jobs including commercial pilots, firemen, and commercial fishermen.
  • Hobbies – High risk activities including skydiving, mountain climbing and race car driving.
  • Financial – Currently going through bankruptcy proceedings.
  • Medical Information – Insufficient medical information available.
  • Tobacco with Serious Medical Condition – For example, tobacco use discovered after recent heart attack.
  • Alcoholism – History of alcohol abuse and alcohol related problems.
  • Drug Use and Addiction – History of drug abuse and drug related problems.
  • History of Cancer – A history of cancer.
  • AIDS or HIV – Diagnosis of HIV or AIDS.
  • Lying – Falsifying Information, Misleading or Omitting Material Facts to obtain life insurance.

Get a Free Quote for Guaranteed Issue Life Insurance



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Disclosure: Compensated Affiliate