Why Would Someone Be Turned Down For Life Insurance? 
Unfortunately , some people are turned down for life insurance for very simple reasons because they did not sign up for the appropriate policy to start with . To avoid being turned down , be sure to read the guidelines very carefully . It is far better to converse with an agent to be sure you did not overlook something . E.g. . Some policies require that you have a drivers license ; some do n't . Some require that you are a US citizen ; some do n't . Some allow a certain policy to cover people with diabetes ; some do n't . Those type of declines are easy to avoid by just talking to tan agent . Other declines are more complicated . You may have a history of depression that sounds OK , but then get declined because your doctor wrote something in your medical records of which you were unaware . With any kind of health history or risk factors such as past alcohol treatment , use an impaired risk specialist to lower your chance of being turned down . There are policies out there for nearly everyone if you know where to look . 