What Happens If You Are Denied Life Insurance? 
If you are denied Life Insurance , then you are not covered meaning if you die , no benefit will be paid to your heirs . There are 3 basic reasons a life insurance policy will be declined : 1 . You health is not good ! I am talking more than just smoking or a little overweight . Perhaps there is a history of heart attack , cancer , etc. 2 . You have risky hobbies such as skydiving , hang gliding , rock climbing , scuba diving , etc. 3 . You are in the Military and are deployed to a `` hot zone '' which the insurance companies determine or perhaps you are vacationing in a `` hot zone '' . This said , all companies have different underwriting . I would recommend talking to a broker who can shop around for you . Fill out a questionnaire which all the details so different underwriters can review and see how these companies will rate you . 