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Declined life insurance, don’t lose heart. It doesn’t necessarily imply you will be turned down again because different insurers have different application requirements and risk evaluations. To help you when reapplying after being rejected, you should take notice of the information we provide below.

Why might I have been declined life insurance?


Discovering the precise reasons why your application for life insurance was declined should be your first action, who you are dealing with should explain the reasons why. It will usually be determined by a combination of lifestyle and health variables. You can request a copy of your medical records from your doctor or ask your insurance company to send any relevant medical data your way. After receiving this information, if you’re still unsure of the reason you were denied life insurance, talk to an insurance expert who can help such as any member of our friendly team.


An insurer may decide it’s not in their best interests to insure you if you pose a very high risk to them. Well, they could, but only if they established unreasonably high premiums, which is unlikely.


Common medical reasons that mean you might find it hard to get life insurance


Let’s take a look at some of the most common medical conditions that cause a life insurance application to be declined:


  • High cholesterol, lipids or triglycerides
  • Being overweight or obese
  • Elevated liver function
  • History of cancer
  • Hepatitis
  • HIV and AIDS
  • High levels of glucose or blood sugar

It’s not necessarily the case that your life insurance application will be instantly declined if you have one of these medical conditions, but overall, you may find it harder to get life insurance. However, if you develop one of these conditions after you’ve successfully taken out a policy don’t worry – your cover should still be valid. If you are struggling to get life insurance, our team here at Life Expert will do everything they can to try and find you some form of cover. Get in touch to get a free quote & see how Life Expert can help.


Common lifestyle factors that mean you might find it hard to get life insurance


And now, let’s look at the lifestyle factors that most frequently lead to a rejection:


  • Smoking
  • Alcohol consumption
  • Job risk – for example if you work at heights, in construction, at sea etc.
  • Previous rejections – a bit of a catch-22, but if you’ve been previously refused life insurance you may appear to be a higher risk.

It’s important to note that, as with medical conditions, if there is a combination of lifestyle factors that pose a risk present, then your application is more likely to be rejected.


Can I still find cheap life insurance if I’ve been rejected or have some medical conditions?


If your application was declined, you can still purchase a life insurance policy, but the cost of the coverage will depend on the reason it was declined. Find out specifically why you were declined life insurance initially; if it was due to lifestyle considerations, you may be able to obtain affordable life insurance in the future if you make the necessary changes, such as quitting smoking.


On the other hand, don’t worry if you are unable to obtain life insurance owing to a medical condition. You may still be able to find a deal; your selections may simply be more constrained. There are specialty insurers out there who will cover specific medical issues. But, the expense can be justified by the peace of mind that comes from knowing that, should the worst happen, your loved ones would be taken care of.

Refused life insurance depression


Your life insurance application won’t often be refused because you have depression.


The severity of your depression will be taken into consideration during the application process, along with any instances of self-harm, attempted suicide, or hospitalisation due to your disease.


If you have recently experienced depression, it’s possible that your application will be delayed while the severity of your disease is evaluated.


If depression has already put your life in grave danger, your application is more likely to be refused for that reason.


Whether mainstream or specialised, our friendly team is prepared to connect you with the insurers most likely to accept your application.


Contact us right away to talk about your particular situation & get a free life insurance quote.


Refused life insurance drugs & alcohol


Due to the risks involved in such behaviour, extensive drug and alcohol usage is likely to result in a life insurance policy being refused.


Extreme use is likely to result in a drop in application, even if each instance and intake will be evaluated individually.


It’s important to keep in mind, nevertheless, that the criteria taken into account by the majority of insurers are higher than those regarded as a recommended intake by the medical sector.


It’s possible that your application won’t be reviewed if you’ve previously been refused life insurance due to substance abuse unless your behaviours drastically improve over time.


Contact our friendly team at Life Expert right away to learn how your substance usage will affect your chances of obtaining life insurance.


Consider Over 50s Life Insurance


If you’ve been declined life insurance or are having trouble finding coverage and are over 50, you should think about an Over 50s life insurance policy. Those who live in the UK who are between the ages of 50 and 85 are normally eligible.


They are a particular kind of “whole of life” insurance policy that assures acceptance and doesn’t even require you to provide answers to any medical concerns when you apply.


While Over 50s life insurance policies are a reliable choice if you’re having trouble finding coverage elsewhere, you should be aware that these kinds of policies frequently demand higher premiums while the overall payments are normally lesser and reserved for expenses like burial fees.


Declined Life Insurance – What Are Your Options?


There are a few options for your next steps. Initially, your application can be approved with a lower level of coverage or a higher monthly cost (or both). A discussion with our friendly team here at Life Expert is worthwhile to determine whether that might be the case.


You could wait a few months to reapply while you attempt to address any problems that may have arisen. It might make a difference if you can, for instance, lose weight, reduce alcohol consumption, or lower your cholesterol. Nonetheless, you shouldn’t make any decisions that could harm your health without first consulting a doctor.


A different choice might be to look into whole-life insurance coverage. When you pass away, whole life insurance promises to pay out a flat amount tax-free. You are more likely to be accepted for whole life coverage than for life insurance if you have a pre-existing medical condition. But, depending on your situation, you might find that the premium is more or the level of coverage is lesser than it would be for life insurance.


Talk to our team at Life Expert right away to discuss your life insurance choices, especially if you’ve had life insurance rejected. We will always try our best to get you covered.