When Is Life Insurance Denied? 
Life insurance is denied when the applicant does not qualify for the policy they applied for . This is also called a decline . Using an experienced agent can greatly reduce your chance of being denied , especially when you have a health condition or other risk factors . Far too many declines happen simply because the applicant was misled or did not read the fine print . Talking to a trusted agent and being upfront with them is your best defense against being denied for life insurance . 