What Disqualifies You From Life Insurance?

When applying for a life insurance policy, it’s important to understand that not everyone will be approved. There are several reasons why a life insurance company may deny coverage, including:

Reason for DenialDescription
Health IssuesHigh cholesterol, obesity, diabetes, or other chronic illnesses may result in higher risk and denial of coverage
Mental Health IssuesA history of anxiety, PTSD, or self-harm may result in denial of coverage
Hobbies & Lifestyle ChoicesDangerous hobbies or an unhealthy lifestyle, such as skydiving, rock climbing, smoking, or maintaining an unhealthy weight may result in higher rates or denial of coverage
AgeIt can be more difficult to secure coverage as you age
OccupationWorking in a dangerous field may result in denial of coverage or higher rates
Financial IssuesBankruptcies, outstanding debt, or lower income may result in denial of coverage or higher rates
Criminal RecordA criminal record may result in denial of coverage, depending on the severity of the crime and each company’s policies
Driving RecordA bad driving record may result in higher rates or denial of coverage

If you are denied coverage due to any of these reasons, there are still options available. You may be able to increase your approval odds by:

  • Proving that a physician is treating your health condition
  • Taking steps to improve your overall health and lifestyle
  • Looking for coverage through a group policy offered by your employer
  • Considering smaller payout opportunities such as mortgage life insurance or guaranteed issue life insurance

It’s important to note that each insurance company has its own policies and processes for determining eligibility. If you have been denied coverage, it may be helpful to speak with an insurance agent or broker to explore your options.

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