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There are a lot of misconceptions about life insurance and the application process. One common misconception is that everyone who applies for life insurance will be approved. Unfortunately, this is not the case. In the UK, it is estimated that around 20% of people who apply for life insurance are declined.

There are a variety of reasons why someone may be declined for life insurance. Some of the most common reasons include having a pre-existing medical condition, being too old or too young, engaging in risky behaviours (such as smoking), or having a history of mental health issues.

If you have been declined for life insurance, it can be a difficult and confusing time. However, it is important to remember that there are other options available to you. There are plenty of other insurers out there who may be willing to offer you coverage. Additionally, there are some steps you can take to improve your chances of being approved for life insurance in the future.

Why would a person be declined life insurance ?

There are many reasons why a person may be declined life insurance. The most common reason is that the person has a pre-existing medical condition that the insurance company deems too risky to cover. Other reasons can include a history of risky behaviors (such as smoking or extreme sports), being too young or too old, and not having enough income to cover the policy.

In addition, some life insurance companies also take into account factors such as occupation, travel habits and lifestyle when determining whether to offer a policy.

Occupations classed as risky for life insurance include

There are many occupations that are considered to be high risk when it comes to life insurance.

Some of these occupations include: firefighters, law enforcement officers, military personnel, commercial fishermen, and more.

If you have been declined life insurance coverage due to your occupation, there are still options available to you.

There are many life insurance companies that specialize in high-risk occupations. These companies will often offer coverage at a higher premium, but it is still possible to get the coverage you need.

What other life insurance options are there if you have been declined in the UK ?

If you have been declined for life insurance in the UK, there are still other options available to you. These include:

1. Over 50s Life Insurance: This type of policy is designed specifically for those aged 50 and over and does not require a medical examination or health questionnaire.

2. Guaranteed Acceptance Life Insurance: This type of policy does not require any medical questions or health exams, and premiums will not increase over time.

3. Family Income Benefit: This type of policy pays out a regular income to your family if you die within the term of the policy.

4. Group Cover: Many employers offer group cover as part of their employee benefits package, which can be worth considering if you have been declined for individual cover elsewhere.

5. Critical Illness Cover: This type of cover pays out if you are diagnosed with a critical illness during the term of the policy, such as cancer, heart attack or stroke.

You may also want to consider talking to an independent life insurance broker. These brokers represent multiple companies and can help you compare policies to find the best fit for your needs.

Are there any changes that can be made to get life insurance?

If you’ve been declined life insurance, there are a few things you can do to try and get coverage. You can shop around for a new policy, appeal the decision with your current company, or see if you qualify for a guaranteed issue life insurance policy.

You can also review your lifestyle and make changes to improve your health. This may include quitting smoking, exercising regularly, eating healthy, and reducing your stress levels. Additionally, you should manage any existing medical conditions by following the advice of your doctor. Finally, you can check with an independent insurance broker to find out what other options are available.


Life insurance is an important form of financial protection, and being declined for it can be a stressful experience. Fortunately, there are next steps you can take to better understand why your application was denied and explore options that may work for you. Whether you need to adjust your current insurer’s terms or switch providers entirely, the key is to remain patient and diligent in finding the best policy for your individual needs. By following these tips and understanding what’s out there, you will be able to secure life insurance coverage that ensures peace of mind for yourself and those who depend on you financially.

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