Will I Be Denied Life Insurance? 
People should not apply for life insurance policies for which they know they will be denied . You can know ahead with some policies because they have criteria that you must meet . E.g. . They may not approve if you use oxygen , or if you weigh over a certain amount . Sometimes , the only way you can know if you will be denied is by asking an agent who is familiar with that company 's underwriting guidelines . Sometimes , people apply for policies where they are not sure if they will be denied or not . I.e. . They have risk factors , but appear to meet the underwriting guidelines . It is not always possible to be able to tell ahead of time whether you will be declined or not . The final word will come from the underwriter after the underwriter reviews your medical records . One thing is certain : you can decrease your chance of being declined by using an agent who understands your health and risk factors , and who can match you up to the policy that best meets your needs . Please do not hesitate to contact me if you have a risk that might cause your life insurance to be denied . I can help you avoid an unnecessary decline and help you find an affordable policy . 