Someone can be refused life insurance for a number of reasons. The most common reason is having a health condition that is not accepted for the policy you applied for, or your health condition is not as controlled as the life insurance company would like to see it. It does not mean you do not qualify for ANY policy, it just means that you may need to apply elsewhere and possibly take less and/or pay more.
Other things besides a health condition that can cause life insurance to be declined are: participating dangerous hobbies such as motorcycle racing, having gone through recent substance abuse treatment, having a recent bankruptcy, or plans to travel to an unsafe country. Also, there are age restrictions.
If declined, don't despair and don't give up until you've explored more options. A good impaired risk life insurance agent will be of great assistance.
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Other things besides a health condition that can cause life insurance to be declined are: participating dangerous hobbies such as motorcycle racing, having gone through recent substance abuse treatment, having a recent bankruptcy, or plans to travel to an unsafe country. Also, there are age restrictions.
If declined, don't despair and don't give up until you've explored more options. A good impaired risk life insurance agent will be of great assistance.