What to Do If You've Been Denied Life Insurance
Being denied life insurance can be a setback, but it’s important to remember that it’s not the end of the road. There are several reasons why an insurance company may deny coverage, but there are also steps you can take to improve your chances of getting approved in the future. This guide offers tips and solutions for those denied life insurance.

- updated last on April 30, 2023
Important Takeaways
- Each insurer has their own unique guidelines, so one or two rejections does not mean that you will not have the chance to get an approval
- There are alternatives for you if you don’t qualify for a traditional life insurance policy
- Getting the service of a licensed independent agent is one way to know the best options after a rejected application
What happens if you are denied life insurance coverage
If you are denied life insurance, it’s essential to understand why. The insurance company must provide a reason for the denial, so ask for an explanation. Common reasons for rejection include:
- Pre-existing medical conditions.
- A high-risk occupation or hobby.
- A history of drug or alcohol abuse.
Once you know the reason for the denial, you can take steps to address the issue and improve your chances of getting approved in the future.
If you are denied life insurance, don’t give up hope. There are still options available to you. One option is to apply for coverage with a different insurance company. Each company has its underwriting guidelines, so just because one company denied you doesn’t mean that another will.
Life insurance application denied
Another option is to work with an independent insurance agent who can help you find a more likely company to approve your application. Finally, consider a guaranteed issue life insurance policy, which doesn’t require a medical exam or health questions, but typically has lower coverage amounts and higher premiums. Whatever you decide, don’t let a denial discourage you from protecting your loved ones with life insurance.
Reasons to be denied life insurance
There are several reasons why an insurance company may deny coverage. Some of the most common causes include pre-existing medical conditions, a high-risk occupation or hobby, a history of drug or alcohol abuse, and a family history of certain medical conditions. It’s essential to understand why you were denied coverage so that you can take steps to address the issue and improve your chances of getting approved in the future.
One of the most common reasons for being denied life insurance is having a pre-existing medical condition. This can include anything from diabetes to heart disease to cancer. Insurance companies view these conditions as a higher risk and may deny coverage altogether or offer a range at a much higher premium. Similarly, if you have a high-risk occupation or engage in dangerous hobbies such as skydiving or rock climbing, you may be denied coverage or offered a higher premium.
A history of drug or alcohol abuse can also lead to a denial of coverage. Finally, if you have a family history of certain medical conditions such as cancer or heart disease, you may be viewed as a higher risk and denied coverage. It’s essential to be upfront about any medical conditions or risky behaviors when applying for life insurance, as hiding this information can lead to a denial of coverage.

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Denied life insurance due to weight
Being denied life insurance due to weight is a common issue for many people. Insurance companies often use body mass index (BMI) to determine coverage, and those with a BMI over a certain threshold may be denied coverage or charged higher premiums. If you have been denied coverage due to weight, there are steps you can take to improve your chances of getting approved in the future. This may include losing weight, improving your overall health, and working with a broker who specializes in high-risk cases.
If you have been denied life insurance due to weight, it can be a frustrating and discouraging experience. However, it’s important to remember that you have options. One of the first steps you can take is to focus on improving your health and losing weight. This may involve changing your diet and exercise routine and seeking support from a healthcare professional or weight loss program. Additionally, working with a broker specializing in high-risk cases can help you find insurance options that may be more lenient on weight requirements. Don’t give up hope – with effort and persistence; you can still secure the life insurance coverage you need.
Denied Life insurance due to depression
Being denied life insurance due to depression is a common issue for many people. Insurance companies often view depression as a risk factor for suicide, which can lead to denial of coverage or higher premiums. However, it’s important to remember that having depression does not automatically disqualify you from getting life insurance. You may need to provide additional information, such as medical records and treatment history, to help the insurance company understand your condition and assess your risk. Working with a broker specializing in high-risk cases can also improve your chances of coverage approval.
If you have been denied life insurance due to mental health, don’t give up hope. There are steps you can take to improve your chances of getting coverage. First, make sure you have a clear understanding of your condition and any treatment you have received. This will help you provide accurate information to the insurance company. You may also want to consider seeking treatment or counseling if you haven’t already, as this can demonstrate that you are taking steps to manage your condition. Finally, working with a broker who specializes in high-risk cases can be a valuable resource. They can help you navigate the application process and find insurance companies more likely to approve it. Remember, having depression does not mean you can’t get life insurance – it just may require a little extra effort.
Denied life insurance due to build
Being denied life insurance due to your build or weight can be frustrating, but it’s important to remember that options are still available. First, consider working on improving your health through diet and exercise. This can improve your chances of getting approved for coverage and your overall health and well-being. Additionally, consider working with a broker specializing in high-risk cases who can help you find a policy that fits your needs. Finally, keep hope – many insurance companies are out there, and it may take some time and effort to find the right one for you.
It can be disheartening if you have been denied life insurance due to your build or weight. However, it’s important to remember that this is not the end of the road. One option is to work on improving your health through diet and exercise. This can increase your chances of getting approved for coverage and improve your overall health and well-being. Another option is to work with a broker who specializes in high-risk cases. They can help you find a policy that fits your needs and may have access to insurance companies that are more lenient with build and weight restrictions. Don’t give up hope – with effort and persistence; you can find the right life insurance policy.
Denied life insurance due to prescription history
Don’t give up hope if you’ve been denied life insurance due to your prescription history. You can appeal the decision, provide additional information about your health, or look into alternative options such as guaranteed or simplified life insurance. Working with a knowledgeable insurance agent who can guide you through the process is essential.
Reasons why life insurance claims are denied
Some top reasons life insurance claims are denied include: the policyholder lied on their application, the death occurred during the contestability period, the cause of death is excluded from the policy, the policy lapsed due to non-payment, or the beneficiary is not correctly designated.
It’s rare for a life insurance carrier to deny a policy claim. According to the American Council of Life Insurers (ACLI). “ACLI 2020 Life Insurers Fact Book.” Accessed August 27, 2021. at the end of 2019, only 0.02% of those life insurance payouts were reportedly delayed or denied. However, it’s not possible. A life insurance company may deny the death benefit if the policyholder has missed payments on their policy or based on the cause of death, among other reasons.
If your claim happens to get rejected, the insurer will refund the premiums paid into the policy and cancel it. You can appeal the denial by talking to the provider, but it’s likely to change something if there’s been a legitimate error.
What medical conditions disqualify you from life insurance
Pre-existing conditions can make it
harder and more expensive to get life insurance. Still, even if you have a chronic or terminal health problem, you will likely find a policy you can qualify for if you shop around. The specific policy types you allow depend on your medical issues, condition management, and insurer.
When applying for life insurance, a pre-existing condition could be any health problem that might affect your longevity, and each insurer qualifies them differently. Due to the added risk, health problems are created for insurers, and some of those pre-existing conditions could raise your cost or even disqualify you from certain types of life insurance policies.
Some examples of pre-existing conditions may include things like high blood pressure, diabetes, cancer, and asthma. Also, previous injuries might be considered pre-existing conditions depending on their severity and any lasting effects.
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What percentage of life insurance claims are denied
Less than 1% of the time. If the policyholder was honest on the application and paid their premiums, there should be no issues. You can appeal directly to the provider, but that’s only a good idea if you have proof of a mistake.
Frequently Asked Questions
What will cause you to be denied life insurance?
Some common reasons for being denied life insurance include having a severe medical condition, a history of drug or alcohol abuse, a dangerous occupation or hobby, and a criminal record. Additionally, you may be denied coverage if you have lied on your application or have a poor credit history.
Can you get life insurance after being denied?
Yes, it is possible to get life insurance after being denied. It may require working with a different insurance company or adjusting the coverage amount or type of policy. Understanding why the previous application was rejected and addressing any issues before applying again is essential. Working with a licensed insurance agent can also help you find the right policy for your needs.
How long do you have to wait to reapply for life insurance?
It depends on the reason why your application was denied. If it was due to a health issue, you may need to wait a certain amount before reapplying. This is known as a waiting period or a "look-back period." The length of the waiting period can vary depending on the insurance company and the specific health condition. It's best to speak with an insurance agent or representative to get more information on your situation.
About Coach B.
After starting his financial career with Phoenix Home Life Insurance Company back in 1992, Scott decided he wanted to provide people with an easier and more enjoyable way to buy life insurance. That was the start of Coach B. Life Insurance, whose mission is to be transparent, honest, and helpful to customers — without ever bugging or pushing them.
In the years since then, he has worked tirelessly to improve the process of shopping for insurance. His goal is to make sure that everyone who comes to Coach B. — whether they end up buying a policy or not — has the best possible experience.
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