Why Are People Denied Life Insurance? 
This is a delicious question because so many people are denied coverage . The irony here is that many of these declinations could have been approvals . How ? Here are the three reasons why people get declined for coverage : 1 -RRB- They applied with the wrong carrier . Different underwriters have different levels of expertise with regards to different underwriting risks . Some are strong with cardiac cases ; others are strong in respiratory cases ; others are strong with hobbies like piloting . If you present a certain risk with which an underwriter does not have a comfort level , he will either decline you , or slam you with extra premium . 2 -RRB- The broker did not represent the candidate sufficiently . Many times eligibility for coverage is up to debate . Problems can occur with regards to verbal disclosures ; medical records ; lab results ; and many other factors in underwriting . These problems can often be resolved if the broker has sufficient expertise , negotiating skills , and leverage with the carrier . If not , then the applicant could be declined unnecessarily . 3 -RRB- Deal-breakers . Sometimes , people just are not eligible for coverage . If you did cocaine yesterday , and want $ 2million of coverage today , you will be out of luck . If you have stage four cancer , unfortunately , you might end up with some burial insurance and nothing more . The good news here is that with the proper coaching from your broker , you could qualify for life insurance at a future point . The broker should be able to detail for you exactly what circumstances have to be in place to do so . 