Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Written by Jeffrey Manola
Founder & Licensed Agent Jeffrey Manola

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 29, 2022

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Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

If you have been declined for life insurance coverage don’t panic, there may be a possibility of obtaining coverage. From time to time even Top Quote Life Insurance will run into a case where a client will be declined for life insurance coverage.

All life insurance companies view risk differently so again don’t panic and keep reading this article, there is still a possibility of obtaining coverage.

If you have been declined for life insurance please give us a call at Top Quote Life Insurance and have us work on getting you life insurance coverage. 

Looking to compare life insurance policies? We can help. Enter your ZIP code to get free quotes from multiple insurers.

Why you may Have Been Declined for Life Insurance Coverage

The majority of the cases that we see are based on the applicant’s medical history. A high-risk decline doesn’t always have to be due to medical reasons.

In some cases it may be due to D.U.I., drug use, occupation, risky hobbies, not enough financial justification, driving history, etc. The life insurance company is declining you due to the fact you are a very high risk based on their underwriting guidelines.

Just because you have been declined doesn’t mean you are going to die anytime soon! Life insurance companies have a set of guidelines that determine your level of insurability based on each particular risk. Some risks are going to be viewed differently than other risks.

If you applied with a life insurance company like State Farm, Allstate, American Family, or Country Companies they generally have strict underwriting guidelines compared to some of the other life insurance carriers that Top Quote Life Insurance provides.

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What Should you do if you Have Been Declined for Coverage?

If you have recently been declined for life insurance coverage, you will want to be sure to get the exact reason why you have been declined for coverage.

The life insurance company will send out a mailing informing you of the decline, but in some cases, you may be required to write a written request asking for detailed information to the decline.

As soon as you have the reason for your decline, contact Top Quote Life Insurance as we specialize in high-risk life insurance cases.

Here at Top Quote Life Insurance, we have several life insurance companies to shop your coverage with and have the knowledge of the companies that will possibly underwrite your risk.

How Top Quote Life Insurance will Shop Your Risk for Coverage

By providing us with the details of your decline, we will be able to provide your risk class to all of our life insurance companies for a possible risk assessment.

Depending on the severity of the health risk, there may be one or more life insurance companies willing to make a tentative offer for coverage.

You may be asking yourself how can one company decline me and another offer me coverage? Again, all life insurance companies underwrite risk classes differently.

What’s the Next Step?

Life insurance companies know if you have applied with other companies and have received declines as it’s recorded in your MIB. Life insurance companies frown upon multiple declines and it could hurt your chances with a company willing to cover your risk. If there is a life insurance company that will cover your risk we will find them for you.

If you have been declined for life insurance coverage, then give us a call or send us an email and let us help you find a policy with a company that may offer you coverage based on your risk.

Being declined for life insurance coverage may not have been what you expected but know that you have options with Top Quote Life Insurance.

Let us see what we can do for you.

Your one-stop online guide for life insurance quotes. Get free quotes now!

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Guaranteed Issue Life Insurance

Some medical conditions are so serious that life insurance companies will not approve life insurance coverage. If this may be your situation, Top Quote Life Insurance works with a couple of life insurance companies that offer Guaranteed Issue Life Insurance.

Guaranteed issue life insurance is permanent life insurance coverage in which you cannot be declined. It is generally available for adults between the ages of 50-80 and requires no medical exam.

Coverage is generally limited to $5,000 – $25,000. One of our top companies for guaranteed issued life insurance is Gerber Life Insurance.

Tell us About Your Decline and we will get Started!

Please include the following information:

  • Date of Birth
  • State of Residence
  • Height & Weight
  • Declining Life Insurance Company
  • Reason For Decline
  • Details to Your Health And Any Prescriptions
  • Amount Of Life Insurance Needed
  • Length Of Coverage

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