If you've been denied life insurance, you may be wondering why that happened?

There are many common reasons for being turned down for life insurance, including your age, health, occupation, high risk hobbies, or poor credit history.

However, even if you have been denied life insurance, you may still be able to get insured.

Some insurers specialize in covering high risk applicants, and they may offer guaranteed issue life insurance plans.

Learn more about being denied for life insurance coverage.

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Yes, you can be turned down for a life insurance policy.

There are many reasons why someone may be turned down for life insurance.

Some of the most common reasons for being declined for life insurance include old age, poor health, drug or alcohol abuse, DUI's, high risk jobs or high risk hobbies, among other things.

However, you may still have other options available for life insurance, including contacting high risk life insurance carriers and brokers who specialize in placing life insurance fo...

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If you have been turned down for life insurance because of medical reasons, you may be wondering how you can get insured.

Don't worry, there is another answer. In fact, there are life insurance plans that even offer "Guaranteed Acceptance" - which means you can't be denied coverage due to any health problems.

As long as you meet the age requirements, you can get insured. These plans do offer a limited amount of life insurance protection, usually $25,000 or less. 

If you need more life insurance ...

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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:

Health, age, occupation, hobbies, etc.

For example, many life insurers won't i...
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How can I purchase a life insurance policy if I have applied to an insurer and been turned down?

There are a couple options that may work for you.

You could contact a life insurance broker who specializes in placing life insurance through high risk insurance companies for people who have been denied insurance.

Or, you could get guaranteed issue life insurance if you meet the age requirements for approval.

In addiiton, you may be able to contest the medical exam results, or ask for another exam, i...
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What are some of the most common reasons a life insurance company may turn down an applicant for coverage?

Life insurance carriers have a set of underwriting guideline including requirements related to your age, health and lifestyle that they review and consider when underwriting an applicant for life insurance coverage.

Many of the key reasons someone may be denied life insurance have to do with the person's age, health, lifestyle, drug or alcohol use, driving record, etc.

If you have chronic h...
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Are people ever considered uninsurable by life insurance companies?

Some life insurance companies may rate certain individuals as uninsurable for coverage.

These are usually people the life insurance company believes will probably pass away in the near future, with a short life expectancy compared to the average person.

However, just because one life insurer considers an individual as uninsurable does not mean that another insurance company will decide the same.

Classificati...

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When a life insurance claim is denied, it's usually because the death occurred within the first 2 years of the policy being "In Force", which is known as the contestability period, and it's discovered the applicant for life insurance intentionally lied on the application to get the life insurance coverage, or the insured person committed suicide within the first 2 years of being insured.

Once the contestability period expires (first two years), and death occurs, the life ins...

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Have you been turned down for a life insurance policy? 

There are many reasons people may be turned down for life insurance coverage; such as, due to your age, health, driving record, use of illegal drugs, etc.

However, if you have been turned down when you applied for coverage, you may still have other options available to get insured.

For instance, guaranteed issue life insurance plans offer no exam life insurance with a limited amount of life insurance coverage available. In fact, some plans ...
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There are several reasons a life insurance policy may be denied, including:

1. The applicant's health - This can be anything from someone with uncontrolled diabetes or someone with cancer having only months to live. 

2. The applicant's health has not been stable for a certain length of time. This can range from someone who had very high blood pressure and only been on medication for one month, to someone with MS who has had a recent major exacerbation.

3. The applicant is ...

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If you own a life insurance policy you want to make sure your life insurance company will pay out any claim on your policy should you die.

But, there are several instances where a life insurance policy will not pay out a claim.

1. If your policy has expired, and you no longer have coverage.

2. If your policy has lapsed due to non-payment of premium.

3. If your policy excludes death due to your cause of death, such as, killed in a war.

4. If you lied on the application for life insurance, and the l...
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The life insurance industry has several hundred life insurance companies, many of which specialize in insuring certain types of risk, including high risk applicants.

A declination from one life insurance company may not mean you will definitely be declined by another life insurance company.

After a declination for life insurance, you may still want to continue shopping for life insurance from other life insurance companies that specialize in insuring impaired risk applicant...

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