Affordable Life Insurance Protection for Your Family

Life Insurance Refused on Medical Grounds

Have You Been Refused Life Insurance on Medical Grounds?

Life Insurance Refused Medical Grounds

You may have been denied life insurance coverage because you are considered a high risk due to a chronic medical condition, use of illegal drugs, smoking, or obesity.

Many insurance companies avoid insuring people with chronic illnesses including diabetes, allergies, and heart disease. If you have a history of serious illness, such as cancer, you may also be disqualified for insurance.

Insurance carriers carefully select customers when it comes to individual life insurance policies. 

Insurers can also charge higher premiums, based on pre-existing medical conditions. If you have a pre-existing health issue, you may be classified as high-risk by your insurer.

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

Sometimes, having minor medical ailments may make it difficult to get approved for life insurance, even if it’s controlled by medication.


Common Reasons People are Denied Coverage

for Life Insurance Due to Medical Issues


  • High Cholesterol – Normal cholesterol is 200, if you’re at 380 or your triglycerides are 5 times normal, you will be declined for life insurance, or postponed until you see a doctor and the situation is under control.
  • High Glucose – If your glucose and/or HbA1c readings are elevated, you may have diabetes and if your readings are too high, you may be declined. 
  • Elevated Liver Functions – Elevated liver functions may indicate possible hepatitis or alcohol abuse.
  • Hepatitis – Hepatitis that is discovered from the life insurance exam may result in a decline.
  • Blood or Protein in Urine – This condition may be caused due to extreme physical exercise or kidney disease. In addition, bladder cancer may initially show as proteinuria.


High risk applicants usually include the following:

  • Having a chronic medical condition, such as high cholesterol, diabetes, or kidney problems.
  • Use of prescription medication.Heavy smokers, people who are overweight/obese, or in poor physical health.

If you are a Sub-Standard or High Risk applicant for life insurance, you may want to compare plans and offers for life insurance from many carriers right away. Also, consider insurers that specialize in insuring high risk applicants.


If you have been declined for life insurance by several insurers, you may still have another option.

It’s called Guaranteed Approval Life Insurance Coverage. This type of insurance provides coverage for people who may or may not be a high risk.

Guaranteed insurance means your acceptance is guaranteed. This coverage may be available for people between the ages of 45 to 85.

You may be able to get up to $25,000 of life insurance without any health questions asked.

What’s the catch? 

The amount of coverage is usually limited to $25,000.

The premiums are higher than for life insurance policies that are fully underwritten, requiring a medical exam.

Also, the policy benefit is considered Graded Benefits.

That means, your full coverage is not available from the first day you own the policy.

You don't have full coverage until you have owned the policy for 1-2 years, depending on the insurance company, and your policy.

Graded Benefits may apply for the first 1-2 years, meaning only a portion of the $25,000 coverage is paid out if you pass away within the first year. 

After you have owned the policy for 2 years, the full $25,000 of coverage is paid to your beneficiary if you pass away after owning the policy for 2 years.

Make sure you read the Graded Benefits Clause carefully, and fully understand how it works. If you have questions, ask your insurance agent or life insurance company to explain it to you in writing.


Checklist for High Risk Applicant’s:

  • Answer all application questions honestly.
  • Let your insurance agent know what your condition is.
  • Try to apply with insurers that ask fewer health questions on the application.
  • Challenge your declined application and ask for reconsideration by the insurance company.


If You Have A Serious Medical Condition:

  • Try to get coverage without a physical exam.
  • Apply for life insurance coverage as soon as possible, so your waiting period, graded benefit period, starts immediately.
  • Don’t be tempted by money-back guaranteed. Usually, most life insurance policies offer a 30-day money-back guarantee. This may vary by state.
  • Don’t automatically apply for guaranteed acceptance life insurance, you may pay much less by answering a few health questions, as long as they don’t pertain to your medical condition.
  • Read all policy details regarding the coverage benefits, exclusions, limitations and waiting periods before buying your life insurance policy.
  • Read your entire life insurance policy after buying it, and ask your agent or insurer for written answers to all questions you have regarding your policy.


Buy Guaranteed Life Insurance


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


Is There Life Insurance for Uninsurable People?

Have you applied for life insurance and been turned down? Are you finding it really tough to get life insurance?

If so, you may have another option available to you.

Today, there are many people who may be considered uninsurable by some life insurance companies due to their age, health, diabetes, smoking, DUI’s, use of marijuana, high risk job or high risk occupation, etc.

But, that doesn’t mean every life insurance company will turn you down for coverage.


There are several ways to try and get insured if you may be considered uninsurable:


First, if you have tried to get life insurance and been denied you may want to contact a local licensed independent life insurance agent that specializes in high-risk life insurance.

Why? Because, an agent that specializes in this type of life insurance will know which life insurance carriers in your state offer life insurance for high risk people.

Another option is to consider life insurance carriers that offer direct life insurance for seniors and high risk people. 

Among the leading providers of no exam life insurance plans for high risk people are:

  • Mutual of Omaha – Age 45 to 85 (50-75 in NY)
  • Met Life – Age 45 to 75
  • Vantis Life – Age 50 to 80


These plans usually offer a low limit of life insurance coverage from $5,000 up to $25,000.

There are no medical exams but there may be a few health questions for you to answer when you apply for a policy.

In addition, some of these plans may be graded death benefit life insurance policies, which means you won’t have full coverage until you have been insured by the life insurance company for a least 2 years, depending on the insurance company.

 Get a Free Life Insurance Quote

Life Insurance Refused on Medical Grounds

Life Insurance for Uninsurable People

End of Life Insurance

Disclosure: Compensated Affiliate