Uninsurable | What Does It Mean To Be Denied?

Uninsurable | What Does It Mean To Be Denied?

by Leslie Freeland, June 28, 2017

Have you ever been denied life insurance?

Maybe you have been putting off applying for coverage elsewhere because one company said you were uninsurable.

What does it really mean to be uninsurable?

It simply means that an insurance company will not allow you to buy life insurance or mortgage protection life insurance because of your health or lifestyle. In other words, the insurance company thinks that you are too ‘risky.’

The truth is, every insurance company has their own set of guidelines for accepting or denying you coverage. Just because one insurance company labels you ‘uninsurable’ doesn’t necessarily mean that you won’t be able to find coverage elsewhere.

Will they or won’t they?

When you apply for life insurance or mortgage protection life insurance, the insurance company begins a process to determine whether they will cover you or not. You will fill out an application, and sometimes you will need to take a medical exam.

While every company’s requirements are different, there are several factors that influence their decision to offer you a life insurance policy. Some of these factors are:

  • Your age and gender
  • Your height and weight
  • Your health history
  • Whether or not you live a healthy lifestyle
  • If immediate family members died at a young age, and what caused their death
  • Whether specific diseases run in your family such as cancer, diabetes or heart disease
  • If the insurance company views your occupation or hobbies as a potential risk

The healthier you are, the more likely you are to get coverage and the lower your monthly premium payments will be.

Don’t assume the worst.

Just because you have a health condition doesn’t mean you will automatically be excluded from getting life insurance or mortgage protection life insurance. For example, not all types of diabetes will make you uninsurable, especially if your condition is well managed, you are under medical supervision, and you have no other additional health concerns.

There is hope!

If you were denied coverage, or labeled uninsurable in the past, you may be able to reapply for a policy after a certain period of time. If your condition has improved, the insurance company may even decide to sell you a policy or even reduce your rates.

For example, if your blood pressure was originally too high, but it is now controlled and lower, you may be able to reapply. However, nearly every insurance company will tell you that there are no guarantees, and you should expect to fill out a new application and possibly take a medical exam.

If there is coverage available for you – Asurea will find it!

Asurea is unique in the industry because we have access to over 40 of the nation’s very best insurance companies. If there is coverage available for you, we will find it!

Don’t let your past experiences with insurance companies control your current and future decisions. You may have more options than you realize, but the only way to know for sure is to contact us today. Asurea is your Simple Solution to navigating the complicated world of life insurance, especially when it comes to the complicated topic of insurability.




Asurea offers Life Insurance, Mortgage Protection Life Insurance, Medicare Supplement Insurance, Final Expense Insurance, Disability Insurance, Long-term Care Insurance, Retirement Planning products and more. For additional information, click on the ‘Learn more’ button below. Want to have articles just like this delivered to your inbox? Just enter your email address in the box below and click ‘Subscribe.’

This information is provided for general consumer educational purposes only and is not intended to provide legal, tax or investment advice. Dollar amounts are for illustrative purposes, not actual.

Leslie Freeland

Leslie Freeland

Find her at LinkedIn
Leslie joined Asurea as the Marketing Communications Coordinator in February 2015. Since then, she has been working closely with insurance professionals to educate the public on the importance of life insurance and protect the public from common scams with informational articles.
Leslie Freeland