Why Would A Life Insurance Policy Be Denied? 
A life insurance policy could be denied for any of the following reasons : 1 -RRB- The applicant 's health was not controlled . This can be anything from someone with diabetes having an A1C over 10 , to someone with cancer having only months to live . 2 -RRB- The applicant 's health has not been stable for a certain length of time . This can range from someone who had very high blood pressure and only been on medication for one month , to someone with MS who has had a recent major exacerbation . 3 -RRB- The applicant is planning to have major medical testing or procedure done in the near future . In other words , if your doctor has scheduled a test to see if you have Parkinson 's , you will need to wait until after the test to apply . If you have gastric bypass surgery scheduled in two months , the insurance company will ask that you wait until after your surgery to apply . 4 -RRB- The applicant has had a recent bankruptcy that has not been discharged , has undergone recent drug or alcohol treatment , has had numerous traffic violations in the past year , or other non-health related risk factors . The above mostly relate to medically underwritten policies . There are simplified issue policies -LRB- that do not require an exam -RRB- and guaranteed issued policies -LRB- that do not have any requirements -RRB- that can be obtained when a medically underwritten policy will not work . Simplified and guaranteed issue policies do have restrictions on face amounts , you must be in a certain age range to get them , and they are not available in every state . Thus , some people do apply for simplified issue or guaranteed issue policies and get declined simply because they do not fit the age , or it is not offered in their state . This is most common for persons applying by mail or online . If you enlist the help of a good agent , you can avoid many declines by having proper guidance in the first place . 