Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Nov 23, 2021

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The Lowdown

  • If you are denied life insurance by one insurer, you can still be accepted by another
  • A no-exam life insurance policy such as guaranteed acceptance insurance is easier to qualify for
  • Your employer may be able to offer you an alternative life insurance option

Life insurance is an excellent investment in your future and can provide you and your family with peace of mind. Just keep in mind that many people get denied life insurance because of various reasons.

This can leave you asking: is it bad to get denied life insurance?

There’s no need to panic. Instead, this guide will help you understand why you may have been denied, what your options are, and how to re-apply after being rejected for life insurance.

You can also compare rates for life insurance from top companies in your area right now. Get quotes even if you’ve been denied life insurance in the past by entering your ZIP code into our free tool.

What happens if my life insurance application is turned down?

It’s not necessarily bad if you’ve been turned down for life insurance. Insurance companies look at medical and other issues to decide how risky you are to insure. However, you still have options.

Here are some things you can do if you’ve been denied life insurance:

  • Apply for insurance from other insurance companies
  • Buy a guaranteed life or simplified issue policy
  • Wait until your medical issues are better
  • Get life insurance through your job
  • Appeal the decision of the insurance company

If you’re denied life insurance, first find out the reason for the denial. Always make sure that the insurance company has all the facts straight.

For example, if you recently lost weight, you might have a better chance.

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No-Exam Life Insurance

You may still qualify for a policy if you purchase a different type of life insurance. You can look into two types of life insurance: guaranteed acceptance (also called guaranteed issue) and simplified issue life insurance.

Guaranteed acceptance insurance does not require a medical exam or include any health questions. It can help cover final expenses. No-exam life insurance is a type of whole life insurance, which means it protects you until death, no matter how long you live.

Simplified issue is a more expensive coverage option, and the coverage amount is low. However, the approval rates make it very likely that life insurance companies will accept you.

Why did I get denied life insurance?

One of the most common causes for an insurance company turning down your application is medical reasons. For example, you can be denied life insurance due to depression, or other mental health issues.

What makes you uninsurable for life insurance?

Life insurance companies use many factors to deny people coverage. These can include bad health, a bad medical exam, or having a criminal record.

Getting Life Insurance From Your Employer

Many companies will offer a group life insurance option. While it doesn’t grant a considerable amount of coverage, it will still cover final expenses.

Your job’s life insurance plan doesn’t have to be your final option. You can still get affordable life insurance after being denied by using our free tool. Get a quote from the top life insurance companies in your area by entering your ZIP code right now.