Why Was I Turned Down For Life Insurance? 
The answers above are right on . It could be for a variety of reasons . Think about what is taking place when you buy an insurance policy . You are buying a promise from an insurance company that they will pay your beneficiary a significant sum of money if you die . They are taking on a risk . That is why we pay premiums for this . The greater a risk of you dying -LRB- they use health , medical , and other info to help judge this -RRB- the higher the premium . If , during their review of your application , they find something that makes it `` too risky '' for them to take on that risk , they may decline an application . -LRB- You ALWAYS have the right to request the records that were used that caused them to make their decision . -RRB- And keep in mind , even though one insurance company did n't want to take on that risk , there are other companies that may say yes or even specialize in insurance for individuals whose situations are similar to yours . So by speaking to a qualified professional in your area , you may find that you can , in fact , obtain life insurance coverage for yourself ! 