Updated: November 07, 2019

Declined Life Insurance

Been declined for life insurance? You could still secure the protection you need! Read our guide to find out what to do next

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Pete Mugleston

Author: Pete Mugleston - Mortgage Expert

Updated: November 07, 2019

When you apply for life insurance, you’re not always guaranteed to be approved for cover.  This is because different insurers and underwriters take varying views towards risk and what they consider to be an acceptable level of risk to take when agreeing to provide life insurance cover.

However, don’t despair – just because one insurer has refused your life insurance application, doesn’t mean you can’t get insured elsewhere.

If you have previously been declined by one provider, you may find it helpful to speak with an insurance expert, like those we work with.

To give you some idea of how an advisor can help you after a refused life insurance application, we’ve written this article.

In it we discuss:

Why has my life insurance application been refused?

When it comes to applying for life insurance, provided that you disclose everything asked of you on the forms, you should get a fair decision from your chosen insurer. If your application gets declined, it could be for a number of reasons, including any specific medical issues you may have, in which case a specialist insurer may be required.

Other reasons your life insurance application might be declined, include:

  • The job you have
  • If your pastimes include extreme sports
  • If your application was for a large amount of cover, not relative to your earnings
  • The lender declined on medical grounds

If you were refused life insurance for any of the above reasons, or something different, it doesn’t mean you can’t get life insurance. A good option for you is to speak with an expert, like those we work with.

An insurance advisor can answer all your questions relating to your life insurance cover refusal. They can help you find the right insurer who is more likely to accept your next application as they have access to the whole of market of insurers and policy options.

What can I do if my life insurance is declined on medical grounds?

If your life insurance is declined, the most important thing you can do is find out the specifics of why you were declined. There are several medical reasons why an insurer may deem you as too high risk to insure, but that doesn’t automatically mean that all insurance providers will decline you for life insurance.

Some of the most common medical reasons you may be declined include:

  • If you’re overweight or obese
  • If you have elevated cholesterol, lipids and triglycerides. Having one of these may not be an issue, but if you have all three, that will cause an insurer concern
  • Elevated liver function
  • Blood or protein in your urine
  • High levels of glucose or blood sugar

Once you know the reasons your life insurance application was declined, ask your GP for access to your medical records, or request a copy from the insurer who has declined your application.

This will mean you have all the information they used to base their decision. By sharing this knowledge with an independent financial advisor, they can get a clear understanding of the issues at hand and ensure that they find the right specialist insurance provider to help.

The experts we work with are all independent financial advisors with access to insurance providers across the entire market. If you’ve been declined insurance on medical grounds, make an enquiry and we’ll match you with an advisor who can help answer your questions and work to get you the cover you need.

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Will I ever get life insurance after my application was declined?

Even if you have had a life insurance application declined, that doesn’t mean you can’t get life insurance cover.

You just need to:

  • Find out more about why your life insurance application was refused
  • Discuss any ways you can improve your lifestyle or situation for a future application
  • Look for a specialist life insurer or one more likely to accept your application

Or, a simpler option is to:

  • Speak with a life insurance advisor who can help you through all the above steps and will have a clearer understanding of how to move forward and get the life insurance cover you want

Once you take either of those routes, you’ll be more likely to find the right insurer for you who can help you find the right insurer and life insurance cover for you that is less likely to be declined.

What should I do after my life insurance application was refused?

The first thing to do is realise the refusal doesn’t mean you can’t get life insurance. The second step is to contact the insurer you applied for life cover with and find out why your application was declined.

This information can be very helpful as you go forward with a future application, either with the same insurer or a different one.

It isn’t advisable to go straight ahead with a new application and include different details after being declined life insurance.

If the second insurer you approach discovers information you’ve failed to disclose, or have even lied about, then your second life insurance application is also likely to be met with refusal.

If you’ve been declined life insurance by one provider, your best bet is to talk to an independent financial advisor and let them help you find an insurer who is more likely to accept your application.

The experts we work with are all expert insurance advisors and have access to insurance providers across the entire market.

Can’t get life insurance? Speak with a life insurance expert today!

If your life insurance application has been refused, it can come as a bit of a shock – but it doesn’t mean that getting a great policy is impossible.

Our priority is providing you with the right services to get the products you need, which is why we work to match you to the best insurance experts in the market.

They can give you the right advice to find the perfect cover for your situation.
To find out more, call us on 0808 189 0463 or fill in our online enquiry form.

Ask A Quick Question

We can help! We know everyone's circumstances are different, that's why we work with brokers who are experts in life insurance. Ask us a question and we'll get the best expert to help.

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Pete Mugleston

Pete Mugleston

Mortgage Expert

About the author

Pete, an expert in all things mortgages, cut his teeth right in the middle of the credit crunch. With plenty of people needing help and few mortgage providers lending, Pete found great success in going the extra mile to find mortgages for people whom many others considered lost causes. The experience he gained, coupled with his love of helping people reach their goals, led him to establish Online Mortgage Advisor, with one clear vision – to help as many customers as possible get the right advice, regardless of need or background.

Pete’s presence in the industry as the ‘go-to’ for specialist finance continues to grow, and he is regularly cited in and writes for both local and national press, as well as trade publications, with a regular column in Mortgage Introducer and being the exclusive mortgage expert for LOVEMoney. Pete also writes for OMA of course!

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FCA Disclaimer

*Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms that are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.

Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.

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