Why Would A Life Insurance Policy Be Denied? 
Insurance companies , when they offer coverage in any state , need to file their rates and underwriting standards with the Insurance Department of that state . Different companies may offer similar coverage , in this case Life Insurance , but their underwriting standards may vary . Certain elements like different rates for smokers vs non-smokers are pretty common , for example . However , if the underwriting process which includes a review of health history etc. identifies that you as the applicant for Life Insurance , may not meet the underwriting standards as filed , then the insurang company may deny coverage . 