Why Would I Be Refused Life Insurance? 
Someone can be refused life insurance for a number of reasons . The most common reason is having a health condition that is not accepted for the policy you applied for , or your health condition is not as controlled as the life insurance company would like to see it . It does not mean you do not qualify for ANY policy , it just means that you may need to apply elsewhere and possibly take less and/or pay more . Other things besides a health condition that can cause life insurance to be declined are : participating dangerous hobbies such as motorcycle racing , having gone through recent substance abuse treatment , having a recent bankruptcy , or plans to travel to an unsafe country . Also , there are age restrictions . If declined , do n't despair and do n't give up until you 've explored more options . A good impaired risk life insurance agent will be of great assistance . 