Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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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 insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Nov 3, 2021

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The Brief

  • You can get denied life insurance for a number of reasons — not only medical but lifestyle and occupational reasons as well
  • If one company denies you, you can work on the reasons you were denied and reapply
  • If you have no other options, you can always get a no-exam policy

When you’re planning for your family’s future, life insurance is a great option to protect your loved ones. But what do you do if you’ve been denied coverage?

There are a lot of reasons you might be denied insurance. From medical conditions to dangerous occupations, a lot can make a life insurance company nervous.

Just because one company said no, however, doesn’t mean they all will. Even when most companies are saying no, you can always apply for no-exam life insurance.

Finding life insurance companies that cover previously denied people is not as hard as you might think. Enter your ZIP code into our free tool above to start comparing life insurance quotes.

Which life insurance companies cover people denied by other life insurance companies?

There are plenty of life insurance companies that will work with you, but if you’ve been flat-out refused, you still have options.

You can always buy life insurance that doesn’t require a medical exam from the following companies:

Providers That Offer No Exam Insurance And Their Coverage Options
CompaniesType of InsuranceAge RangeCoverage Option
AmericoTermUp to 60Up to $250,000
ANICOTermUp to 60Up to $500,000
AssurityTerm18-65Up to $350,000
Banner Life/William PennTerm20-50$100,000 - $1,000,000
Lincoln Financial GroupTermUp to 60Up to $1,000,000
Penn MutualTerm Up to 65Up to 5,000,000
Principal LifeTermUp to 60Up to $1,000,000
SagicorTermUp to 65Up to $1,000,000
SBLITerm18-60Up to $500,000
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These insurance plans usually cost more than other policies, and they don’t offer as much coverage, but they’re a good option if you have nowhere else to turn.

No-exam insurance companies offer two main plans: simplified issue and guaranteed issue. Simplified doesn’t require an examination, but they do ask medical questions.

Make sure you’re honest with your answers – they can deny a claim if they find out you lied.

Guaranteed issue plans require no exams and ask no questions. This option can help seniors and people with serious medical conditions. Life insurance companies that don’t cover people denied by other life insurance companies will not offer these types of policies.

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What makes you uninsurable for life insurance?

Before you look at reasons why you can be denied, it’s important to understand application classes. All applicants fall into a category that determines the rate they’ll offer you:

Health Insurance Classes and Their Health Requirements
ClassPersonal HealthFamily History
Preferred Nonsmokers in great health with a minor conditionMinor health conditions in family history
Preferred SelectNonsmokers in great healthNo family history of health conditions
Preferred SmokerSmokers in great healthNo family history of medical conditions
StandardNonsmokers with average healthSome medical problems in family history
Standard PlusNonsmokers in good health with a few minor health conditionsMinor conditions in family history
Standard SmokerSmokers in good healthSome medical conditions in family history
Table RatingPoor health Medical conditions in family history
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Table ratings have different levels, usually indicated by numbers or letters. If you find you have a table rating, it doesn’t necessarily mean you’ll be denied.

All companies are different, but you can usually expect to see an increase of 25% for each rank you go down. If your monthly payment is $100 at preferred select, it would be $175 at the standard ranking.

Most people can guess some of the medical conditions that could get you denied for life insurance, but some factors are a little less obvious:

Health Conditions and Lifestyles That Can be Reasons for Denial
Health ConditionLifestyle
Anxiety or depressionAlcohol abuse
CancerAviation (Occupational or as a hobby)
DiabetesCriminal activities
Family history of cancer or cardiac arrest before 60Dangerous jobs
Heart diseaseDUIs or reckless driving
Hepatitis CHigh-risk hobbies
High blood pressureMarijuana or drug use
ObesityTobacco Use
StrokeTravel to high-risk areas
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The effect your job can have on your life insurance might surprise you.

The most dangerous jobs in America include truck drivers, farmers, loggers, and construction workers. Insurance companies will be hesitant to insure anyone working in these industries.

Your hobbies also affect your ability to be insured. Hobbies like surfing, scuba diving, car or boat racing, or skydiving are high-risk activities. If you engage in them regularly, you can be denied or at least forced to buy additional coverage.

However, if you only participate in these once or very rarely, it probably won’t affect your coverage.

What should you do if you’ve been denied?

If you’ve had an application for life insurance denied, the first thing you should do is figure out why. Most life insurance companies can give you a copy of the report they made after your examination.

That report can have valuable medical information for you, like if a bloodwork test discovered something worrisome.

Once you have the information, you should check it for accuracy. For example, if your financial records are holding you up but something on it is no longer applicable, you should be able to resubmit your application.

Obtain Group Life Insurance Through Work

If you’ve been denied life insurance and you can’t get it anywhere else on your own, you should check with your employer. Many companies offer a life insurance plan for their employees.

This life insurance policy might be minimal – perhaps just enough to cover funeral costs – but it’s better than nothing.

Usually, the plans are free, and you can occasionally supplement them with add-ons for additional fees. However, if you leave the company, you’ll lose the insurance.

Get In Touch with an Agent

When you have a complicated situation, contacting an insurance agent should be a priority. They can help you sort through your options and point you in a productive direction.

A good agent can search through life insurance options for you because they usually know which companies are more lenient for your particular risks. They can also give you an idea of the steps you should take next.

An insurance agent can help you find the best life insurance companies that specialize in higher-risk applicants.

Wait for Better Life Insurance Rates

If your application was correct and there’s nothing you can do about being rejected, don’t let it get you down. You can always reapply later, and you can use the time between to work on health issues.

This can include losing weight, lowering your blood pressure, or quitting tobacco. Ask your doctor for advice about how to improve any medical conditions you have.

If you were denied for non-medical reasons, you could work on those, too. Whatever you decide to do, make sure you keep up on your improved habits. Once your record clears, you’ll be ready to reapply.

How do I find the right life insurance company for me?

It can be embarrassing and stressful to learn you’ve been denied life insurance. However, you don’t need to let it get you down.

Finding affordable life insurance companies that cover people denied by other life insurance companies isn’t as difficult as you might think.

If you’re ready to start looking at life insurance quotes, enter your ZIP code into our free tool below.