What do you do when you are denied life insurance?

The first step is to find out why you were declined for life insurance.

If you were declined due to an existing health issue, it may simply be due to going to the wrong life insurance company. If you have a present health issue or one in the past, it is critical that you work with an impaired risk life insurance expert in order to get to the correct company.

If you were declined due to unknown health issue (ECG problems, heart beat, etc..) you need to get to your doctor asap to address.

If you were declined due to current lab results, you need to request (in writing) a copy of lab results from the insurance company. IF there is an issue with your lab results, you need to visit a physician, address the issue before applying again. If your decline was due to illegal drug use, underwriting becomes very invasive and will take time to correct.

Once you know why you were declined, you can address the issue and apply to a new company better suited to your issue.