Declined for Life Insurance? Now What?

Declined for Life Insurance

Life insurance is something that people generally start to think about when they start a family or later on in life. Once you start a family, buy a house and establish yourself in your career, people then start to think about ways they can make sure their family is protected if something happens to them. Of course, some people get insurance through their employer (learn more about medical insurance for business here) so they don’t need to look into health insurance because they are already covered. However, not everyone gets that perk so if you are looking for coverage then one of the most effective ways to ensure things are taken care of is to enroll in a life insurance plan.

When you enroll early, the odds of getting declined for life insurance are slim. Plus, you will have the peace of mind in knowing that you and your family are covered if something happens. Unfortunately, people tend to wait until later in life, once their health starts to decline or after they learned of a long term medical issue. This is why you need to be proactive when it comes to applying for life insurance, especially if you are high risk and have been declined for life insurance coverage in the past. Both of these situations reduce your odds of being accepted by health insurance companies for coverage. You will be required to take a series of medical tests before you will be accepted. If you have a medical condition, you risk being declined for life insurance.

The shock of getting declined

Getting declined for anything can hurt, but when it is something as important as life insurance, getting declined for coverage can sting that much more. People often assume that being accepted for life insurance is a formality. They also tend to think that they are in better health than they really are, which only adds to the shock of being declined for life insurance. It is advised to go through all the clauses and conditions before choosing a life insurance cover. Another crucial step could be going through the Insurance Eligibility Verification process that could help you to understand whether and on what basis you would be getting your insurance amount. Avoiding these steps could result in those shocking reactions that might appear on your face.

The initial reaction for people that are declined life insurance is one of weakness and failure. They often question their ability to care for their family because they want to leave something behind for their family when they are gone. Some may even consider a holistic financial planning process and see if there are other ways to invest in the future.
But, there is good news.
If you were declined life insurance in the past, don’t worry, you still have options and can still get life insurance coverage.

What you can do when you are declined for life insurance

If you have been declined for life insurance, then your best option is to look into a no medical life insurance plan. The good news is that specializes in life insurance for people that have declined for life insurance in the past. We specialize in helping people that are deemed to be the hard to insure by the medical insurance industry.

One of the most attractive features for people that have been declined for life insurance previously is that you will not be required to take a medical examination. Yes, you read that correctly, no medical tests!

You may be asking yourself, but I have a poor medical history, won’t I still get declined for life insurance? Absolutely not! specializes in finding the best insurance rates for people in your situation. You can qualify for medical insurance coverage even if you have long term health issues such as cancer, obesity, diabetes, and heart issues. If you’ve been denied medical insurance and don’t know what to do next, don’t worry, looking around for different insurers will help you widen your net, check out the best Medicare Supplement companies out there for you to get the medical insurance you need.

How do I apply?

To apply for medical insurance, even if you have been declined for life insurance in the past is easier than you think. All you have to do is fill out your information, and get a quote. You could receive coverage of up to $250,000 depending on the life insurance plan you choose.

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0 comments on “Declined for Life Insurance? Now What?
  1. Jesus says:

    Can my client a past alcolohlic get life insurance

    • No Medical Life Insurance says:

      Thanks for the note. Many Simplified Issue plans do not have an alcohol related question and some offer coverage from day one.

  2. George says:


    • No Medical Life Insurance says:

      Hi George, That would depend on the questions he can answer “no” to on their applications. Potentially $150,000 on their Term plans and $75,000 on their Permanent plans.