Why Are People Denied Life Insurance? 
There are many reasons that people can be denied life insurance , but unfortunately , people sometimes get denied for reasons that could have been avoided . Avoidable declines are often due to agents who do not do a thorough job in asking questions of their clients before applying . But denials can also be a result of clients who lie or hide information , hoping to pay a better price . Most often , clients simply do not think that something matters -LRB- e.g. bankruptcy -RRB- , or are not aware of what is in their medical records -LRB- e.g. CHF instead of high blood pressure -RRB- . Ironically , one would think that the simplified issue policies that you apply for by mail would be the simplest to get , because they have the least questions and no exam to trip you up . But I find that these are a source of many declines , due to their ambiguous wording , or people not taking the time to read the instructions well . I have been writing mostly impaired risk life insurance online for over 10 years , so have written thousands of policies for people with health conditions . But just when I get to feeling good about so many cases getting approved as I quoted , I will get hit with a decline out of left field that I did not see coming . Sometimes , it just seems impossible to avoid them . But a good agent should not have a lot of them , or they are not probably doing their job as they should . 