Why Would An Insurance Company Deny Life Insurance? 
The main reason -LRB- s -RRB- a life insurance would deny Life Insurance are : 1 -RRB- Medical Issues -LRB- pre-existing conditions -RRB- 2 -RRB- Your financials do not warrant the benefit amount you are seeking If they deny due to medical reasons , you could apply for a `` simplified issue '' product . This is not guaranteed , but there is no paramed -LRB- medical exam -RRB- so it may be easier to get issued . Of course , the premium is higher , but it may be an alternative . 