Why Would I Be Declined For Life Insurance? 
Life insurance is designed for standard risks . That means that the policy premium is based on an average person of a particular age . Since each of us is unique there are a variety of things that an underwriter would consider sufficiently unusual to no longer consider you a standard risk . The underwriter has a series of tables to deal with unusual risks but sometimes the risk exceeds the limits of the tables . Occupation , medical condition , location and family history are some of the more common factors that might cause a company to decline an applicant . 