When Is Life Insurance Denied? 
To purchase life insurance , you must qualify medically and financially . Every life insurance company has their own guidelines and criteria for qualification . Financially , you must have a certain amount of income or assets to qualify for the amount of insurance that you are purchasing . When it comes to health underwriting , only the most serious illness are outright denied such as HIV and certain cancers . If the condition is not too serious , the company may offer you coverage , but charge a higher premium . It is important to speak to a knowledgeable advisor who can assess your situation and recommend a company that will provide the most favorable underwriting for your unique situation . 