What Are Some Reasons Why Life Insurance Is Denied? 
I find that the number one reason why people get declined for coverage is poor control . They can have a legal , criminal , financial , or motor vehicle issue . They can have abnormalities on blood tests . They can have a crazy lifestyle in which they climb mountains , race cars , or dive 300 feet into the ocean . They can even have a history of cancer , diabetes , or heart disease . The fact of the matter is that some life insurance company would probably want to make them an offer . -LRB- Of course , it would also want to slap them with some extra premium . -RRB- BUT : Control is key . There must be compliance with a prescribed regimen . Safety procedures must be in place with lifestyle issues . They must appear like a stable person with regards to how they run their life and treat themselves . That tilts the odds heavily in their favor . 