Why Are People Denied Life Insurance? 
The majority of life insurance denials are a result of something found in the paramedical exam from the applicant ` sblood orurine testor medical history that is outside the life insurance company 's standards . These `` standards '' can vary a bit from one company to the next . The insurance company is all about `` risk '' and if they see something they believe is significant , they may deny coverage . Another option they have is to `` rate '' the individual below what they call `` standard '' and that move by them would make the cost of insurance more expensive for the applicant because the insurance company sees that individual as a higher risk . There areother reasons as well which include driving record -LRB- 2 DUI 's can be trouble here -RRB- , repeated risky activities such as travel to what they consider dangerous destinations in the world , non-sanctioned vehicle racing -LRB- cars , motorcycles , etc -RRB- and others . One of the best ways to help avoid a denial of life insurance coverage is to work with a knowledgeable life insurance agent who , based on your complete medical history disclosed in advance of the application , will help determine which life insurance company could be the most forgiving for your particular situation . The underwriting process for life insurance can be appealed and if you are working with a knowledgeable agent , they may be able to help get the denial reversed . 