Can Life Insurance Be Denied? 
If you are speaking of applying for life insurance , yes , life insurance can be denied for poor health or other risk factors . Each policy has it 's own criteria , including ages and states for which that product is offered . It is important to cover all the questions on the application with your agent , or have them reviewed by your agent , to be sure that you are applying for a policy for which you qualify . Many denied or declined policies are unnecessary if the proper steps had been taken beforehand . If you are asking whether a life insurance benefit can be denied , see Jerry 's answer . 