Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jan 17, 2022

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The Truth in a Nutshell

  • If you are classified as high risk by a life insurance company, you may have difficulty finding affordable coverage
  • The best life insurance companies that cover people denied by other insurers are AIG and Great Western
  • Guaranteed-issue life insurance and no-exam life insurance are good policy options for individuals who have been denied coverage due to their health

If you’ve been denied life insurance, finding coverage can be difficult.

Many life insurance companies will not offer coverage to individuals classified as high risk.

People who have been denied coverage from some companies still have options.

Guaranteed-issue life insurance and no-exam term-life insurance policies are particularly helpful if you’ve been denied coverage due to your health.

What are the best and most affordable life insurance companies that cover people denied by other life insurance companies?

Read through our guide to find out everything you need to know about getting life insurance after being denied coverage.

Are you looking for the best rates from life insurance companies that cover people denied by other life insurance companies? Enter your ZIP code to get free quotes from life insurance companies that cover people denied by other life insurance companies.

What are the best life insurance companies that offer coverage to people who have been denied due to health?

If you have been denied life insurance because of your health, guaranteed-issue life insurance and no-exam life insurance policies may be the best options for you.

With both guaranteed-issue life insurance and no-exam life insurance, you can find coverage without having to take a medical exam.

Some of the top life insurance companies that offer the best guaranteed-issue life insurance and no-exam policies are AIG and Great Western.

AIG

AIG is one of the most affordable life insurance companies for guaranteed-issue life insurance.

Guaranteed-issue life insurance does not require you to take a medical exam or answer any health questions to qualify for coverage. This type of policy is worth considering if you have been denied coverage based on your health.

AIG has some of the lowest rates for guaranteed-issue life insurance starting at $20 a month for a 50-year-old female buying a $5,000 policy.

AIG’s guaranteed-issue life insurance rates are fixed and will not increase during your coverage period even if your health declines.

AIG also offers living benefits including a chronic-illness benefit and a terminal-illness benefit that come with a guaranteed-issue life insurance policy.

However, guaranteed-issue life insurance generally doesn’t offer high coverage amounts, so this may only be worth considering if you cannot find coverage with any other company.

Great Western

Guaranteed-issue life insurance from Great Western offers many benefits and has coverage options available for anyone between the ages of 40-85.

Typically, guaranteed-issue life insurance only covers people from 50 to 80 years old, so Great Western is one of the best companies for people who want guaranteed-issue life insurance, but fall outside of the typical age range for this type of policy.

Great Western also has some of the highest death benefits available with up to $40,000 of coverage and offers affordable life insurance riders.

These include a child rider available for only $1 a month as well as a free spouse rider.

Although Great Western has one of the best guaranteed-issue life insurance policies available, the rates for this policy may not be the most affordable.

For example, a 50-year-old female purchasing $5,000 worth of coverage would pay approximately $26.25 a month. Consider your budget and coverage needs before committing to a policy.

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What makes you uninsurable for life insurance?

Life insurance companies classify certain individuals as high risk.

People who aren’t in good health, live an unhealthy lifestyle, engage in potentially dangerous activities, or smoke can all be classified as high risk.

Seniors can also be classified as high risk by some insurance companies.

Many life insurance companies do not cover people who are considered high risk.

What are some things you can do to improve your chances of finding affordable life insurance?

Finding coverage after you’ve been denied life insurance can be difficult, but there are a few things you can do to make finding coverage easier.

If you have been denied coverage because of your health or lifestyle, you may be able to improve your chances of finding coverage by making a few changes. Lead a healthy lifestyle and quit habits such as smoking or doing high-risk activities such as skydiving or mountain climbing.

If you have a medical condition, keeping up with your treatments, medications, or therapy can also help reduce your chances of being classified as high-risk by an insurance company.

The Bottom Line

You may be denied life insurance coverage if a life insurance company classifies you as high risk.

Finding life insurance after being denied coverage by other life insurance companies can be difficult, but the best policies available for people who have been denied coverage are guaranteed-issue life insurance and no-exam life insurance.

The top life insurance companies that offer guaranteed-issue life insurance and no-exam life insurance policies are AIG and Great Western.

Before you buy life insurance from companies that cover people denied by other life insurance companies, enter your ZIP code to get free quotes from the best companies near you.