There are many different types of life insurance and applicants applying for life insurance coverage.

But whether or not you are insurable, or considered uninsurable, is determined by the insurance company you apply to for coverage.

Your insurability will depend on your risk factors, such as, your health, age, gender, family health history, occupation, hobbies, if you smoke or not, height-to-weight ratio, driving record, lifestyle, use of legal or illegal drugs, your credit history, etc.

All of these risk factors and more go into determining your longevity, how long you are expected to live.

The longer you are expected to live, the better off the insurance company because they will be receiving your premium payments.

If you aren't expected to live very long, you may be considered uninsurable, since you wouldn't be a good risk for the life insurance company to insure.

However, even if you have been declined for life insurance, or are considered uninsurable by some insurers, you may still be able to qualify for guaranteed issue life insurance coverage. These plans over a limited amount of life insurance, high premiums, and the full life insurance coverage does not go into effect until you have been insured for at least two years.