10 Reasons You Could Be Denied For Life Insurance

Kelsey Rawson

Dangerous Driving

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Driving is a typical daily activity that can simultaneously be one of the most dangerous ones. An applicant will not be denied for life insurance solely because they drive a vehicle, but if their record shows a history of reckless or poor driving, denial could be imminent. This includes things like speeding, reckless driving, and driving under the influence charges. If an applicant has a checkered history on their driving record, it is suggested that they wait for the charges to expire before applying for life insurance.

Low Income

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Insurance companies are businesses, and businesses have to make decisions based on finances. Because of this, an applicant who falls below a certain income threshold could be denied for coverage. Granting insurance to too many people in a low-income bracket could mean the premium flows of insurance companies are significantly affected. There also needs to be a reasonable argument made for the policy and its total amount as there should not be a large disparity between the income of someone who takes out a life insurance policy and the value of their policy.

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Dangerous Driving

Low Income

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