What Are Some Reasons Why Life Insurance Is Denied? 
Some reasons why life insurance is denied : 1 -RRB- You applied for a policy for which you do not qualify due to a medical condition , being overweight or underweight per the policy guidelines , or are out of the age limits of the policy . 2 -RRB- You are not a US citizen or do not have a green card or work visa . 3 -RRB- You do not have any income coming in and do not qualify for the face amount for which you applied . 4 -RRB- Your doctor did not provide the medical records requested by the underwriter . 5 -RRB- Your blood test showed very high glucose or cholesterol or elevated blood pressure . 6 -RRB- You never heard back from the agency that took your application , possibly not being able to provide essential information requested by the life insurance company that would have been simple to give , had you known . To avoid declines , contact an agency that will provide good customer service and also put you with the right policy to start with . Many declines are avoidable . 