Affordable Life Insurance Protection for Your Family

Why Life Insurance Companies Deny Coverage

Are You Finding It Difficult to Get Insured for Life Insurance?

If so, you may be wondering why you were turned down or declined for a policy.

First, you should know that not everyone may qualify for life insurance.

The insurance company sets guidelines for applicants that qualify based on several factors including age and health.

There are several reasons an insurance company may deny you for life insurance, including:

  • AgeOver age 80.
  • HealthChronic health issues.
  • Tobacco UseCOPD or lung cancer.
  • Occupation – High risk jobs may include pilots, firefighters and racecar drivers.
  • Hobbies – High risk hobbies may include skydiving, mountain climbing and B.A.S.E jumping.
  • Lifestyle – No job history with transient lifestyle.
  • Driving Record – Two or more DUI’s in the last five years.
  • Height to Weight Ratio – Obese people may find it difficult to get insured.
  • Foreign Travel – Regular travel to third world countries and those at war or revolution.
  • Financial Problems – If you have declared bankruptcy in the last five years.
  • History of Alcohol or Drugs – If you have a history of legal trouble due to alcohol or drug abuse.


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.

Financial Justification – Applying for life insurance that is not financially justifiable may lead to a decline. Life insurance is meant to replace a loss, not create wealth.

How Can I Get Life Insurance If I Have Been Denied Coverage?

If you have already applied and been turned down for life insurance you may want to consider Mutual of Omaha (listed below). They offer life insurance with guaranteed approval for anyone age 45 to 85 (50-75 in NY).

Or, you can compare multiple life insurance rate quotes through JRC Insurance (listed below) and see if any of their 40+ life insurance carriers may offer you coverage.

Life Insurance Quotes

Top Pick – JRC Insurance

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

Highly Recommended – 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.


Mutual of Omaha offers guaranteed protection for seniors, people with health issues and those who have been turned down for life insurance by other insurers. If you’re between the ages of 45 to 85 (50-75 in NY) you cannot be denied coverage.

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Disclosure: Compensated Affiliate