Why Would Someone Be Denied Life Insurance? 
There are numerous reasons to be declined for life insurance . Think of it in terms of gambling . You are placing a small bet , monthly premium , in order to make sure your loved ones have enough money to live at their current means , which is a large payoff at your death . Therefore an underwriter will look at all of the factors to determine your risk of dying within a specified period of time . They look at age , build , medical history , health , lifestyle , residence , occupation , etc. to determine that risk . If they feel any of these factors are too risky you will be declined for life insurance . 