What Happens If I Am Denied Life Insurance? 
If you are denied life insurance , there are almost certainly other options out there for you . Sometimes declines come simply because someone applied for a policy which does not accept their health condition in any form . However , there may be lots of companies that do accept your health condition . Sometimes the underwriting process ends simply because some records never arrived , or some other technicality . Applying with another company may have a much better result . If the decline was due to a health condition that was unexpected -LRB- such as finding out your blood glucose was high on the life insurance exam -RRB- or your medical records showed more serious health details than you thought , there are simplified issue policies that utilize much more lenient underwriting . And if even that does not work , there are guaranteed issue policies for many people . Talk to an impaired risk specialist who can assess your situation and lead you to a policy for which you can qualify . 