Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Nov 23, 2021

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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 life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from top 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.

The Facts of Life

  • Shop with high-risk life insurance companies if you’ve been denied a policy at another company
  • Guaranteed acceptance life insurance is as low as $85 a month
  • If you don’t qualify for standard life insurance, then shop for a high-risk life insurance policy like simplified issue life insurance

Are you searching for life insurance companies that cover people denied by other life insurance companies?

Life insurance companies that don’t cover people denied by other life insurance companies want to avoid insuring a high-risk policyholder.

But what makes you uninsurable for life insurance? Don’t worry – we’ll answer all of your frequently asked questions in our guide. Keep reading to learn about the best life insurance companies that cover previously denied people.

Once you learn everything about life insurance companies that cover people denied by other life insurance companies, use our free online quote tool to compare multiple companies near you.

Which life insurance companies provide coverage for people who’ve been previously denied a policy?

If your life insurance policy request was denied by a company recently, it doesn’t mean you won’t qualify for a policy at another company.

Several life insurance companies in the United States can provide coverage through life insurance policies that guarantee coverage.

Here is a list of life insurance companies that provide high-risk life insurance:

  • John Hancock
  • Guardian
  • American National
  • MassMutual
  • Prudential
  • AIG
  • Colonial Penn
  • Gerber
  • Great Western

Each of these companies offers life insurance policies that don’t require a medical exam, which is one of the main requirements for standard life insurance.

However, if you prefer a smaller company, try shopping with regional life insurance companies that provide policies with no medical exam.

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Why won’t some life insurance companies insure people who were denied a policy?

Life insurance companies correlate policy denial with a high frequency of claims. Therefore, if a life insurance company believes your risk of filing a claim is too high, it won’t approve your policy request.

The two main reasons why life insurance companies deny policies are because of medical and lifestyle risks. But lying on your life insurance application is also a reason why companies deny policy requests.

What are the medical reasons why life insurance policies are denied?

When life insurance companies review your medical history, they’ll look at personal factors to gauge risk. They may also ask you health questions before you take a medical exam.

Life insurance policies are often denied if you are diagnosed with one or more of these medical conditions:

  • Anxiety
  • Asthma
  • Cancer
  • Depression
  • Diabetes
  • Heart disease
  • High blood pressure
  • High cholesterol
  • HIV and AIDS
  • Kidney disease
  • Obesity
  • Parkinson’s disease
  • Sleep apnea
  • Stroke

Life insurance companies that don’t insure these conditions are avoiding risk. But several companies in the United States provide coverage regardless of your medical history.

How does your lifestyle choice affect your life insurance eligibility?

Even healthy people may find it challenging to secure a life insurance policy if they have a risky lifestyle or extreme hobbies.

Here’s a list of hobbies and lifestyles that life insurance companies are hesitant about insuring:

  • Scuba diving
  • Skydiving
  • Amateur/pro fighting
  • Bungee jumping
  • Racing
  • Extreme sports (skateboarding, parkour)
  • Hang gliding
  • Smoking
  • History of alcoholism
  • Substance abuse

In some areas in the United States, you can find specialty life insurance policies for extreme sports.

Life insurance companies are most likely to deny a standard life insurance policy to someone who has a history of alcoholism or substance abuse.

When you can’t get a standard life insurance policy, shop for burial insurance (also called final expense burial insurance).

Why do life insurance claims get denied?

In addition to material misrepresentation, life insurance claims are denied for various reasons, which includes:

  • Suicide
  • Death during illegal activity
  • Lied on the life insurance application
  • Stopped paying monthly life insurance rates

But if you believe that a life insurance company has unfairly denied your claim, hire an attorney as soon as possible. Make sure you have everything that relates to the policyholder.

Life insurance policyholders that are still living should check their life insurance policy regularly.

Keep your life insurance company informed about your medical records. This eventually protects your beneficiaries from challenges from life insurance companies.

Which life insurance policies are best for high-risk people?

High-risk life insurance policies are policies that require no medical exam.

Although some life insurance companies may ask some health questions, you can buy a life insurance policy much faster when you skip a medical exam.

Let’s look at a few life insurance policies that don’t require a medical exam:

A simplified issue policy is a term life version of no-medical exam life insurance. Some life insurance companies may list it as no-medical-exam life insurance.

However, guaranteed acceptance and mortgage life insurance are whole life policies that last your entire life.

Guaranteed acceptance policies have more perks than simplified issue and mortgage life insurance policies.

Meanwhile, final expense burial insurance only provides coverage for burial and funeral costs.

How much is high-risk life insurance?

Various factors determine whether high-risk life insurance rates are available to you.

Your monthly life insurance rates depend on your age, policy amount, gender, and policy type.

Let’s examine the average monthly rates for guaranteed whole life insurance (also called guaranteed acceptance life insurance):

Guaranteed Whole Life Insurance Average Monthly Rates
Age$100,000 Policy Average Rates for a Female$100,000 Policy Average Rates for a Male$250,000 Policy Average Rates for a Female$250,000 Policy Average Rates for a Male$500,000 Policy Average Rates for a Male$500,000 Policy Average Rates for a Female
25-years-old$84.91$93.70$203.14$225.12$400.19$444.14
30-years-old$97.35$107.71$234.24$260.14$462.39$514.19
35-years-old$112.93$128.24$273.19$311.47$540.29$616.84
40-years-old$132.15$153.90$321.24$375.62$636.39$745.14
45-years-old$156.17$190.79$381.29$467.84$756.49$929.59
50-years-old$191.66$234.90$470.02$578.12$933.94$1,150.14
55-years-old$243.17$294.84$598.79$727.97$1,191.49$1,449.84
60-years-old$311.63$399.24$769.94$988.97$1,533.79$1,971.84
65-years-old$421.69$528.00$1,045.09$1,310.87$2,084.09$2,615.64
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The most affordable life insurance rates are available to younger women with lower policy limits. Meanwhile, seniors pay at least $400 a month for guaranteed whole life insurance.

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How can I secure a high-risk life insurance policy?

After a policy denial, you should shop with other life insurance companies. If you don’t ask questions, you won’t know how to secure the right life insurance.

Check out this list to see what you can do to secure a life insurance policy after being denied by a life insurance company:

  • Ask for more information
  • Examine personal factors
  • See if your employer provides life insurance
  • Get advice from a life insurance agent
  • Wait until your medical condition improves
  • Apply with the same company but choose a different policy

If you don’t qualify for a standard life insurance policy, you can always pursue a no-medical-exam life insurance policy.

What should I do if my risk increases during life insurance coverage?

Specific situations can increase your risk while you have life insurance coverage. For example, your policy could be canceled if you’re a smoker but didn’t tell your life insurance company.

According to Haffner Law, lying about medical conditions and lifestyle choices is known as material misrepresentation.

Medical and lifestyle risks determine how much you pay per month. Lying on your life insurance application can affect your insurance history.

Therefore, you should inform your life insurance company about any changes in your lifestyle or new medical conditions that come up.

How to Find Life Insurance Companies That Cover People Denied by Other Life Insurance Companies

Life insurance companies that insure people who were denied by other companies provide no-medical-exam life insurance policies.

On average, no-medical-exam life insurance policies are more expensive than standard life insurance. However, you can secure cheaper rates when you shop around.

Now that you know more about life insurance companies that cover people denied by other life insurance companies, enter your ZIP code in the free online quote tool below to compare multiple companies in your area.