What Can Keep You From Getting Life Insurance? 
There are many kinds of life insurance policies , some harder to get than others . At our office , we start with the hardest to get -LRB- least expensive -RRB- and work our way through the choices until we find the best price and policy for which our clients will qualify . In states that offer it , guaranteed issue life insurance is the easiest to get , and most expensive . But it also has age limitations , so not everyone can get it . Not counting guaranteed issue life insurance or simplified issue life insurance -LRB- both good options for those who can not get anything else -RRB- , here are some things that could keep you from getting medically underwritten Life Insurance : 1 . A serious health condition that is not , or can not be , controlled . 2 . AIDS or HIV positive 3 . Drug or alcohol treatment in the last year 4 . Current or recent felony or probation 5 . Cancer , heart attack or stroke within the past year 6 . Having had some tests done to determine if you have a health condition , with the results not yet back . Or a surgery coming up shortly ; most companies will postpone until the surgery is over . 7 . Not having US citizenship , work VISA or Green Card 8 . Suspended drivers license 9 . Cognitive impairment 10 . A child under 20 with a serious health condition , whether controlled or not 11 . Being in a wheelchair and/or needing assistance to do activities of daily living such as dressing or bathing 12 . Being on oxygen or dialysis 13 . Being diagnosed as terminally ill Again , there are options for most situations , even those above , if you get the right type of policy . An agency that understands impaired risk underwriting , and that carries many different types of life insurance , is your best bet for finding a policy when you have a challenging health or risk history . 