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  • Writer's pictureelonopeare96

Can You Still Get Life Insurance If You Have Been Denied?

If you wonder why life insurance is important for you, you should think about the ones who depend on you. So, if you want a good financial shield for them, then there is no better protection than life insurance.

If you have been denied of life insurance, you should not worry as you are not alone, and there is always a way out. Generally, people are denied of life insurance as they are listed in the high-risk category. Many people suffer from life threatening health issues like cardiac problem, cancer, diabetes, and others.

On the contrary, there are other non-health problems also that may be the reason behind life insurance denial. Some people are involved in risky jobs and activities like skydiving, mountaineering, trekking, construction activities, roofing, criminal record, smoking, drug addiction etc.

Regardless of whatever the reason is, here are some guidelines to follow if you are denied of life insurance:

Consult your Agent or Insurer

They will review your insurance application to make sure that you have not made any mistake. Moreover, they can also give you feedback as of why you were denied of life insurance.

Rectify the Results

If you have been denied due to poor health, you should consult your doctor to ensure if it is really a major cause of concern. And if there is any other reason, check again to ensure if the reason is valid.

Try to Appeal the Decision

If you are denied of insurance due to wrong or insufficient info, you have the right to appeal, and challenge the decision.

How to Get Life Insurance Coverage After You Have Been Denied of Life Insurance?

Life insurance denied still leaves a chance for you to get it, here is what you can do.

Work with a Certified Insurer

A certified insurance agent who has experience working with several clients can help you apply the life insurance plans that offer a greater chance of approval. Moreover, an agent can also guide with the process, that reduces the chances of another denial.

Try With Another Insurer

Every insurance company has a different criterion for life insurance approvals. Try to apply for the insurance plan with another insurer before you give up.

Employment Life Insurance Plan

If you work for a company, you have good chances of gaining coverage through your employer’s group life insurance plan. It might not offer you the coverage limit you require, however with life insurance plan, you might get some coverage. Many groups life insurance plan usually don’t demand a medical examination.


Wait until your health condition improve, adopt a healthy lifestyle, clear up your driving record and improve your financial position. If an insurer notices improvement in these areas, they might agree to offer you life insurance coverage.

Choose a Different Life Insurance Plan

A small insurance coverage is better than nothing. So, here are a few insurance policies to consider if you have been denied of life insurance:

Simplified Life Insurance

If you choose this, you just need to fill out an online insurance application. It does not require a medical examination. However, you might be inquired about your health. So, there is a high chance of approval, and you will be able to get instant coverage. However, the drawbacks are that the coverage limit is usually low, and costs higher compared to the typical life insurance coverage.

Guaranteed Issue Life Insurance

If you choose guaranteed life insurance, you can ignore both medical examination and medical questionnaire. As the name suggests, the coverage is promised to anyone who applies. However, there is a waiting period (maybe years) before beneficiary receives full amount. Moreover, you will not have access to higher coverage limits and the coverage costs higher, on a dollar-to-dollar basis, as compared to average life insurance.

Regardless of where you are in your life insurance plan, it is always a sensible idea to contact a certified insurance agent. They will be able to guide you through the entire process, and help you identify options if you have exhausted your options. Hunt for a trusted insurer, talk to your family, friends, and associates for suggestions. The key is to begin today.

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