Being declined for life insurance can feel discouraging, but it doesn’t mean you’re out of options. Life insurance carriers all assess risk differently, and a denial from one company doesn’t automatically mean another insurer won’t approve you.
At AccuQuote, we help people every day who were previously declined find coverage that fits their situation.
Why Life Insurance Applications Get Declined
Life insurance denials usually come down to one or more specific factors, not a blanket rejection. Common reasons include:
- Health history such as diabetes, heart conditions, or recent medical diagnoses
- High-risk occupations like construction, aviation, or offshore work
- Hobbies including scuba diving, skydiving, or racing
- Prescription history or inconsistent medical records
- Errors or omissions on the application, even unintentional ones
Understanding why you were declined is the first step toward moving forward.
A Decline Doesn’t Mean You’re Uninsurable
Each insurance company has its own underwriting guidelines. What one carrier considers too risky, another may be more flexible about, especially when it comes to manageable health conditions or lifestyle factors.
That’s why working with an independent brokerage matters.
How AccuQuote Helps After a Denial
AccuQuote is an independent, multi-carrier platform, which means we aren’t tied to just one insurance company. Instead, we compare options across top-rated carriers to find the best possible fit for your unique situation.
Next Steps After a Life Insurance Denial
If you’ve been declined, don’t reapply with the same information. Contact an AccuQuote agent today who understands carrier differences and can provide alternative policies that will give you the best coverage.
