Can Life Insurance Deny Coverage? 
It is completely within the control of the life insurance company to approve , deny or postpone your application . Underwriting guidelines are used to determine your insurability . During the application process , the insurance company will look at your medical records , results of a paramedical exam that they pay for , driving record and answers to other lifestyle and medical history questions in order to determine your `` rating '' . If they do n't like what they see , they can decline you . Just because you have been declined by one insurance company , it does not mean you are uninsurable by all insurance companies . Insurance companies have different standards for underwriting and where one company will decline or rate you low ; another may approve you or rate you higher . Working with a qualified , independent insurance agent can help get you connected to the insurance company most likely to give you the highest rating possible for your situation . 