Declined Life Insurance? Here Are Your Next Steps

Denied Life Insurance? Here are your next steps

Getting life insurance for the first time can seem a little daunting. Making the decision that you would like to leave something behind for your family if you were to pass away could be a big help to them. Having to deal with certain financial costs at short notice could put pressure on those you care about.  

It can be very frustrating if you’ve been denied life insurance. It might have even turned you off trying again. No matter how you might feel right now you should understand that in reality you do have plenty of options. In this article we’ll explore some of these options and why it could make sense for you to try again.   

Why would a person be declined life insurance in first place? 

Being declined for a life insurance policy can seem unfair. You may have the money and could be willing to pay above the normal rate for it. Unfortunately, there are plenty of reasons why your application might have been denied and it can vary depending on the insurer. Some common reasons might be your health, your smoker status or even your job. 

While you may have done the research on one policy and feel confident in that choice, there are plenty of options out there for you to explore. There is a popular misconception that all policies are the same and that is not true. 

Unfortunately, if you suffer from poor health your options might be more limited than other people. This could be because of several reasons such as a chronic disease, weight or your smoking status.  

What other life insurance options are there?

While it can be a frustrating experience when you are declined a life insurance policy, there are other options out there for you. If your health is poor, you’ll be relieved to know that not every life insurance policy requires you to provide a medical. 

With Smart Insurance, one option you could consider applying for is the Guaranteed Life Insurance policy. As the name might suggest, if you are a UK resident aged 30-80 you are guaranteed to be accepted onto this policy. Depending on your age you can choose a payout that ranges from £2,000 to £20,000. You’ll be covered for accidental death from day one and then death because of any cause after 24 months. You’ll also get a free Will kit worth £100 with your policy. The cost of cover can be as little as £3.54 per month1.  

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

The fact of the matter is that there are no shortcuts to getting a life insurance policy. Life insurance is a way of getting financial protection for the ones you care about most and it makes sense that you wouldn’t want the wrong protection for them. If you were to lie or submit any incorrect information on a life insurance application, you could end up in a situation where your family won’t receive any financial support if you were to pass away.  

It can often be the case that living a healthier life can mean that you save money on your life insurance. Making small changes in your life like losing weight or giving up smoking could potentially have an impact on a life insurance application. In terms of smoking, it’s important to note that in some cases you must have stopped smoking for an entire year before it can be considered on a life insurance application. This also includes e-cigarettes or vapes. 

Feel supported with Smart  

We all want the best for our loved ones, that includes choosing the right life insurance policy. It’s easy to apply over the phone and it takes just a few minutes to get a quote. With Smart Family Life Insurance, you’re covered for accidental death straight away and death by any cause after 12 months. You can talk through all your options today with us and secure a policy that can mean that your family has some financial support in a tough situation.  

1 For a 30-year-old, on an individual policy with £2,000 of cover 

Protect the life you’ve built, the Smart way

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For new Family Life Insurance policy holders only, once a minimum of 6 successful monthly premiums have been paid and the total premiums paid exceed the face value of the gift card. View full terms and conditions. Restrictions apply, see