If you were denied life insurance, we show you how to get approved.
You’ll find the most common reasons for denials below.
Denied for Life Insurance Overview
- Medical History
- Lab Results
- Medical Records
- Recent Treatment
- Driving Record
- Criminal Record
- Denied Life Insurance Options
If you were denied life insurance due to your medical history, you may still be insurable.
There are companies that specialize in high risk life insurance underwriting.
Just because one underwriter declines you, doesn’t mean they all will.
Let us know why you were declined for life insurance and we’ll tell you what life insurance options are available to you.
Everything seems fine, and then you take your life insurance medical exam.
Soon after you get declined due to your lab results.
It happens sometimes, and I can say that in the past 20 years most of these cases end up being insurable.
Life insurers are quick to decline or postpone coverage for unexpected lab results.
The first thing you should do is request a copy of your lab results.
Some common lab results that may get you declined.
- Bilirubin greater than 6.0
- Denied life insurance due to HIV Positive
- Positive for cotinine (nicotine metabolite) when your application says you never used tobacco.
- PSA levels above cutoff limits by age
- Creatinine Clearance Levels below 55 ml/mn.
- Denied life insurance due to elevated liver enzymes
- Hemoglobin is less than 11 gm/dl without a prior history.
- Brain Natriuretic Peptide (BNP) – NT-proBNP levels greater than 1,000 pg/ml without cardiac workup history.
- Abnormal Calcium levels above 1.5
- Positive Carbohydrate Deficient Transferrin (CDT) with a history of abuse, DUI history, etc.
- Positive for illegal drugs, including marijuana if it was not disclosed on the application.
- Estimated Glomerular Filtration Rate (eGFR) levels below 60 when no prior kidney history
- Hepatitis without a prior diagnosis
- Protein levels greater than 200 mg/dl
- Diabetic control – HbA1C greater than 10
You may get denied life insurance if you have unfavorable notes in your medical records.
If you’ve been declined due to your records, it usually is one of four things in your notes:
- Your doctor recommended testing and you have not completed those tests.
- You’re scheduled for an upcoming surgery.
- If you mentioned past history of drug use, there may be notes in your records.
- Your Physician’s office mixed up your records with someone else with the same name.
If the lab results were unexpected when you started underwriting,
Life insurers may simply decline or postpone offering coverage until your doctor evaluates you.
Life insurers will postpone or decline your application if the test is a colonoscopy or cardiac workup.
If you have substance abuse mentioned in your records but not admitted on your application, that is difficult to overcome.
We’ll work with you to get this resolved but it could take time.
Mixed up medical records happen more often than you think, especially with common names.
It may take a little time, but we’ll get this fixed when we work with your physician’s office and our medical records company.
Most companies require some time to pass after treatment before they will offer you life insurance.
If you’re looking for life insurance after cancer,
The type of cancer and treatment details will determine when life insurance is available.
Life insurance with heart disease will depend on the type of heart condition and treatment received.
Let us know what treatment you had recently and we’ll tell you what to expect in terms of a postpone period.
Most life insurers use their own points system where they assign point values to different infractions.
The total of all motor vehicle violations will dictate if life insurance is available.
Your age at the time of the violations, time since the motor vehicle violations,
And most importantly the types of violations determine your underwriting outcome.
Life insurance after vehicular homicides will require individual consideration by underwriting departments.
Multiple DUI’s, reckless driving and speeding violations that are 40 mph over the limit can quickly get you declined.
When your driving history gets you declined, let’s talk about it.
We’ll reach out to underwriters on your behalf to see if we can get life insurance for you at a reasonable rate.
The availability of life insurance depends on your current status.
What crime you were convicted of, and how’s your overall criminal history?
- Charges Pending = Postpone
- Awaiting Trial of Sentencing = Postpone
- Currently, in Jail = Postpone
- On Probation or Parole = Postpone
Misdemeanors – Once off probation, life insurance is available at standard rates.
You may be able to get a preferred rate depending on the details.
Single Felony – Insurers may postpone coverage for 1 year after you get off probation.
At that time, you may receive an offer with an additional expense called a flat extra.
As more time passes since the end of probation, the rate class available tends to improve.
Examples of single felonies include grand theft, larceny, assault, involuntary manslaughter.
Multiple Felonies or Major Felony – Life insurance companies will most likely decline to offer you coverage.
Major felonies include drug trafficking, organized crime, rape, murder, terrorist acts, etc.
Our best advice is to tell us about your history.
We’ll reach out to insurance companies for feedback to see if we can get you coverage.
Denied Life Insurance Options
If you were denied life insurance, what should you do next?
Get the exact details as to why you were declined.
The life insurance company has to send you a letter with the reason why you were declined.
If it was due to the paramed exam results, request a copy of your lab results.
If the denial was due to notes in your medical records, call your physician to get a copy of those records.
An option that is available to have some coverage is an accidental death insurance policy.
There’s no pressure or obligation with our life insurance service.
We’ll provide you with the information you need in order to make an informed decision about your next steps.
Michael J Horbal
I’m the owner of RiskQuoter. We specialize in life insurance underwriting, helping you get the best rates whether you have perfect health or a history of medical problems.
Last Updated – January 26, 2021