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.

Classifications vary from insurance company to company based on different factors.

If you are denied for life insurance several times by several different insurance companies, then you may want to consider buying a guaranteed issue life insurance policy.

Some insurers offer guaranteed issue life insurance with no health exam and no health questions asked. You cannot be denied coverage if you meet the age requirements, which are age 45 to 85 with some insurers.