Can life insurance be denied?

Yes, a life insurance application can be denied for various reasons , including health issues, financial instability and high-risk behaviors.

What makes you uninsurable for life insurance?

Being deemed uninsurable often results from high-risk factors, including severe health conditions, risky occupations, or lifestyle choices. Reasons life insurance is denied involve significant risks that increase the likelihood of a claim.

What medical conditions prevent you from getting life insurance?

Certain medical conditions, such as uncontrolled diabetes, heart disease and cancer, can be significant hurdles. Being denied life insurance due to mental health issues or a complex medical history are also common life insurance denial reasons.

What steps can you take if you are denied life insurance?

If you face a denied life insurance application, request a detailed explanation from the insurer. Then, address any reversible issues and consider submitting a life insurance denial appeal letter. Exploring different insurers or specific policies designed for high-risk individuals may also be beneficial.

Can lifestyle changes impact your life insurance application?

Making positive lifestyle changes, like quitting smoking or losing weight, can significantly impact your life insurance application. These improvements can address life insurance denial reasons related to health and lifestyle risks, potentially reversing a previous denial.

What to Do When You Don’t Qualify for Life Insurance

Name: What to Do When You Don’t Qualify for Life Insurance
Item: What to Do When You Don’t Qualify for Life Insurance
Author: Nathan Paulus

Uncover the path forward after a life insurance denial. Learn about the appeal process, your legal rights and alternative insurance options to protect your financial wellbeing.

ByNathan Paulus

Reviewed byMandy Sleight

ByNathan Paulus

Reviewed byMandy Sleight

Updated: March 11, 2024

Advertising & Editorial Disclosure

About Nathan Paulus

Nathan Paulus is the Head of Content Marketing at MoneyGeek, with nearly 10 years of experience researching and creating content related to personal finance and financial literacy.

Paulus has a bachelor's degree in English from the University of St. Thomas, Houston. He enjoys helping people from all walks of life build stronger financial foundations.

sources

Kaiser Family Foundation (KFF). "Claims denials and appeals in ACA Marketplace plans in 2021." Accessed February 23, 2024.
National Council on Aging. "Chronic Inequities: Measuring Disease Cost Burden Among Older Adults in the U.S. A Health and Retirement Study Analysis." Accessed February 23, 2023.