Why Would I Be Declined For Life Insurance? 
Life Insurance underwriting is all about mortality or how long are you expected to live . Insurance companies look at your health history as it relates to how it is affecting your life span . The more medical history you have especially some like a critical Illness which recently happened meaning in the last 5-10 years -LRB- a critical illness meaning a heart attack , stroke , cancer & more -RRB- the more likely you will be declined or postponed to allow more time to go by . You have to remember that Life Insurance Companies are corporations which do make large profits . And if someone is truly medically involved they will most likely rate you up -LRB- increase your premium -RRB- or decline you outright . That said , there are a couple companies out there which will give you some death benefit guaranteed for a price . And the benefit will be under $ 50k . 