How bad is it to get denied life insurance?

If your life insurance application was denied, you may wonder, “Is it bad to get denied life insurance?” There are many reasons why your life insurance application may have been denied. If you have health issues or dangerous lifestyle habits, life insurance companies are more likely to deny you coverage. You can compare options with other life insurance companies and change the type of policy you’re applying for in order to avoid being denied again.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Written by D. Gilson, PhD
Professor & Published Author D. Gilson, PhD

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Nov 19, 2021

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The Highlights

  • If you were denied life insurance, it may be because you are considered a high-risk individual
  • You can continue to apply for life insurance with other companies or change the type of policy you’re applying for
  • Life insurance companies make mistakes on occasion; if you feel you were wrongly denied, reach out to a representative and ask questions

If you applied for life insurance and were denied, you may be curious, “Is it bad to get denied life insurance?”

While it is obviously not ideal to get denied when you apply for insurance coverage, it’s nothing you need to feel bad about.

Chances are, your denial is about a specific aspect of your application. Once you become more aware of the problem, you can either make a change in your life, or you can change the type of policy you apply for.

You could be denied life insurance because of diabetes or another health concern. If this is the case, you can always look into other options and companies that may be able to work with your condition.

Similarly, if you’ve been denied life insurance due to depression or another mental health problem, you can talk with a health care provider about what options you have moving forward.

It is important to remember that you can still pursue affordable life insurance after you’ve been denied. You just have to know where to look.

Plenty of life insurance coverages, like Sagicor Life final expense insurance and MetLife whole life insurance, offer coverage to individuals who have previously been denied or who have been denied by other companies.

If you’re searching for life insurance quotes for people who’ve been denied, be sure to use our free quote tool above to compare rates and find the best options that will work for you and your loved ones.

What makes you uninsurable for life insurance?

If you have been denied a life insurance policy, this does not mean you are uninsurable. Rather, it likely means a company noticed something in your application that seemed like a red flag.

Sometimes, life insurance companies make mistakes. If you feel like your application should not have been denied, you can call the company and speak to a representative. This may allow you to get some clarity and know what to do next.

There are a few reasons why companies typically deny life insurance applications. These reasons include:

  • Your physical health
  • Your mental health history
  • Your lifestyle choices
  • Your age
  • Your job
  • Your credit report
  • Your criminal record
  • Your driving record

If you have been diagnosed with physical or mental health conditions, you pose more of a risk for a life insurance company. Similarly, if you make lifestyle choices that are dangerous, you are not an ideal candidate to insure.

All of the factors above could be reasons why your life insurance application was denied. But this doesn’t mean you can’t get life insurance.

Life insurance rates for people who have been denied may be higher than average, but that’s okay if it offers you the opportunity to purchase a policy. If you keep searching, you’re likely to find a policy and a company that will work for you.

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How can I get life insurance after being denied?

If you believe you’ve been wrongly denied life insurance, speak to an insurance representative to learn more about your options for coverage. Understanding your life insurance options will be important for you as you move forward.

If any of the factors listed above apply to you, you may need to adjust the scope of your search for coverage.

While there is no one life insurance company for people who’ve been denied, there are plenty of companies that will help you. But you have to be willing to change the type of policy you’re looking for.

Certain policies — such as a simplified issue life insurance, guaranteed issue life insurance, and mortgage life insurance — may be a better option.

They are often more expensive than other life insurance policies, but this is at least partially because they are offered to high-risk individuals.

Regardless of what you choose to do, please know that being denied coverage does not mean you’ve done anything wrong. As long as you are honest on your life insurance application, you don’t have to worry about making a mistake.

If you’re looking to buy life insurance after being denied, use our free quote tool below as a place to start. You can compare rates between companies and get a good idea of what your options are.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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