What to Do If Life Insurance Is Denied

What to Do If Your Life Insurance Application Is Denied

Life insurance is an essential step in protecting your family’s future, so it can feel discouraging to receive a denial after applying. But don’t worry—a denial doesn’t mean you’re out of options. Understanding the reasons behind the decision and taking the right next steps can help you get the life insurance coverage you need.

First, find out why your life insurance application was denied. Common reasons include:

• Pre-existing health conditions or high-risk medical history

• Hazardous occupations or hobbies

• Inaccurate or incomplete application information

• Poor financial or credit history

Once you know the cause, you can take action. Here’s what to do next:

• Request a copy of the underwriting report to review details

• Correct any errors or provide additional documentation if something was misunderstood

• Work on improving your health (e.g., quitting smoking, managing conditions) and reapply after a few months

• Consider working with a broker who can connect you with insurers more likely to approve your application

You can also explore alternative life insurance options, such as:

• Guaranteed issue life insurance – No medical exam or questions, but comes with higher premiums and lower coverage

• Simplified issue life insurance – Fewer health questions, faster approval, and moderate coverage

• Group life insurance through your employer – Often easier to qualify for regardless of health

Getting denied doesn’t mean you’re uninsurable—it just means you need a different approach. For expert help in finding the right path forward, visit ProvaLife to explore policy options that work for your situation.

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