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Declined For Life Insurance [Learn How To Still Get Life Insurance]

Looking for a quote for life insurance or burial insurance? Click here and send me a message with details of what you’re wanting to accomplish. If you’d prefer to talk live, call 888-626-0439 to speak with me directly.

In Today’s Presentation I’ll Be Talking About The Alternative Ways That Are Out There To Get Life Insurance If You’ve Been Declined

NOTE: Would you prefer me to present this information to you in video format? Watch the video below for the compete presentation on how to get life insurance if you’ve been declined. Enjoy!

Here’s An Overview Of Our Discussion On Getting Life Insurance If You’ve Been Declined:

Why was I declined for life insurance?

The main thing I want to make completely clear before going forward is that, ultimately, the reasons for a denial of life insurance coverage come down to the individual underwriting standards for the company you applied with. There are a variety of life insurance companies available, and every one of them has their own unique set of guidelines.

Many people think, well, if I’m declined for life insurance, I’m just out of luck. Right? Not the case.

Different life insurance companies rate different health history issues better or worse. It just depends on the circumstances of your particular situation why you were declined for life insurance in the beginning, so there may still be options for you.

Again, a lot of this will come down to working in the right setup, working with what’s known as a broker instead of a one-company agent. A lot of the times a broker can find you much better pricing and underwriting flexibility in these cases where you find yourself declined.

Have you been previously declined for life insurance and need help getting coverage? Buy Life Insurance for Burial is dedicated to helping people like you. We want all of our clients to receive the coverage they need for an affordable price, regardless if it is life insurance or burial insurance.

When you reach out to us, we offer you a free quote. This gives you an idea of the options you have. If you would like your free quote today, please call (888) 626-0439 or message us by submitting the form on the left-hand side of the screen.

For submissions, we will get back to you within the next 24 business hours.

Top reasons why applicants are declined for life insurance

Let’s talk about the top reasons why individuals are declined for life insurance.

Weight Issues

One of the common reasons why is obesity or having a weight issue. Again, certain companies have specific guidelines with height and weight ratios.

As an agent, typically what we’re given is a comparison chart that compares your height and gives a minimum weight and a maximum weight. Those numbers are determined by the underwriting departments at each life insurance company, and I can tell you those numbers will vary depending on which life insurance company you deal with and what your individual health circumstances are as well in addition to the height/weight concern.

I can think of several companies off the top of my head that are very flexible with obesity or overweight issues. Whereas there are other companies out there that are very popular that immediately rate up or decline if it’s outside of the agreeable window for height/weight that they want to see.

Again, this is one of those conditions that if you’re set up the wrong way to qualify for life insurance, you’re just not going to get the best deal that you could. You may be shocked to see what you actually can qualify for just by looking at other life insurance options.

Income Restrictions

Another reason why people get declined for life insurance is due to income restrictions. Now, this specifically deals with the ratio between the amount of coverage you’re applying for compared to the amount of income that you take home annually.

One of the reasons people buy life insurance is because they want to use it as a source of income replacement. For example, I make a certain amount per year in my selling activities, and if I were to die suddenly, there is a multiple of that income that’s paid out to replace my income so that my spouse and children can continue on without me.

work life insurance

Insurance companies will often decline you if you apply for a large life insurance policy but have a small income.

However, there is an upper limit to that amount of coverage. The reason for this is because it raises red flags when someone applies for enormous amounts of coverage that are unnecessary.

There have been cases where people attempted to qualify for large amounts of life insurance coverage that made relatively little income and then suddenly passed away. As a result, the life insurance company was in a situation where they had to pay a large death claim because this person was trying to game the system.

Commonly life insurance companies ask for the reason why you are applying for a certain amount of life insurance coverage. If you are wanting a certain amount of coverage and you were declined because of it, you may not have been declined outright. You may have been offered a maximum amount of coverage as a ratio.

Again, if you feel like the need is there and you explained it and you were still not offered what you applied for, this is another reason to work with a broker. We can shop around for insurance companies with more liberal allowances when it comes to the income restriction ratios.

Elevated Vitals

Another reason people are declined for life insurance coverage is because of elevated vitals. When I say elevated vitals, one of the things that may be involved with a life insurance examination is an examination.

For example, you may have blood drawn, or you may have to pee into a cup. You may have a swab of your saliva taken. You may have to go through a general physical with a physician or a nurse or even do an EKG or a some sort of heart stress test.

All of these things give the insurance company underwriting baselines to determine your eligibility, and sometimes people who believe they’re in good shape are declined because there were elevated vitals in their physical.

The most common reason for being declined is elevated blood sugar. Basically someone is showing signs of diabetes that’s untreated, and for life insurance company that’s very risky. It’s essentially uncontrolled diabetes, so they want to see some time pass before they approve it.

Other reasons along the same lines is high blood pressure. High blood pressure causes an assortment of longer term problems including strokes, heart issues, kidney problems, and the like.

High triglycerides can also cause heart ailments. High liver enzymes are related to all sorts of health conditions like cancer or alcoholism.

If the company declines you based off of elevated vital signs at the examination, then it’s likely that they will require you to have a period of time pass before approving you for coverage.

This again is one of those things where the definition of what is elevated and to what extent it is acceptable differs between different life insurance companies. Some will be flexible under some circumstances, others will not be.

You may be working with a life insurance company that is traditionally conservative with any sort of issues as it relates to your vital signs. They may not like diabetes all together and immediately determined that your declined.

I know one very well-known life insurance company that declines many people just because of diabetes. It’s very frustrating, but there are many companies that will take that. Again, it comes back to who you’re working with and what your other options are.

Hazardous Occupations Or Hobbies

Another concern for life insurance companies is hazardous occupations and hobbies. One thing life insurance companies want to protect

firefighters life insurance

People with hazardous jobs sometimes have difficulty getting approved for life insurance.

themselves against is approving somebody for coverage who has an occupation or hobby that puts them at an elevated risk for death.

A couple of examples for hazardous occupations that are commonly rated up or declined, depending on the carrier, includes airplane pilots

as well as loggers and manual laborers in a hazardous or risky environment. Hazardous hobbies would include things like scuba diving, hang gliding, and other activities where there is an inherent risk that, if things go bad, you’re going to die.

Some companies are well known for their flexibility in approving people who work in hazardous professions or have hazardous hobbies, although it may be at a higher price. This is why it’s important to work with a broker to see who will accept whatever particular occupation or hobby you have that other companies would deem hazardous.

Driving Record

Another reason to decline somebody is based on a driving record that has a short history or a compact history of driving issues, such as high speeding, DUIs, DWIs, reckless driving. If these events are grouped together within a short period of time, you may be declined for life insurance.

Again, this is one of those subjective things. Different companies will consider different circumstances, and if you’re declined with one company, it may not have been the best company to start with.

Do any of these apply to you? Do you have a serious health condition and worry you might not be able to be covered? Or, are have you been declined for another reason? If so, consider reaching out to us via phone.

Our number is (888) 626-0439.

When you call us, we will provide you with a free quote. Our friendly representatives are here to answer your questions and get life insurance coverage process started. The initial step takes only 10 minutes, and there is no obligation for you to work with us.

If you prefer to message us, there is a form on the left or bottom sides of the screen that you can submit. Tell us everything that you need to know, and we will get back to you with the information within 24 business hours to share your options with you.

Chronic Debilitating Disease

There is a wide swath of chronic debilitating disease that could potentially cause you to be declined. Examples include COPD, hepatitis C, AIDS or HIV, Alzheimer’s, dementia. These are things that typically will get you flat-out declined, especially if the diagnosis was recent.

This is a situation where I would steer you toward simplified issue. Many debilitating chronic diseases can still be covered with a simplified issue product even if you’ve already been declined by other insurance companies.

Previous Life Insurance Declines

This is an interesting situation. Whenever you apply for life insurance, there is a record of your attempts to apply for insurance at what’s called a Medical Information Bureau.

This is essentially a collection of information where insurance companies can check to see your health history and how many times you’ve applied for different life insurance policies. They can make insurance decisions and underwriting decisions based on that history.

If they see that you’ve been declined a number of times, it may put a bit of fear in the mind of the underwriter that you may not be suited to  be approved for their particular life insurance product.

Again, this is something that’s different and unique between each carrier. Some are more conservative and regard that information more dearly while others don’t.

Many of the underwriters at different life insurance companies completely understand that their underwriting is easier to qualify for than others. A lot of it will just come down to the underwriter asking why were you declined, and the more that you can disclose, the better information you’ll get from an underwriter.

Mental Health Issues

Other reasons that you’re declined for life insurance include anxiety, depression, PTSD, hearing voices. It depends on the severity of the issues, when it was originally diagnosed, and how you’re being treated for it.

Again, these are all issues that have to be taken one by one and within the context of the rest of your health. There are carriers that will take you despite these problems. Again, it just ultimately comes down to your particular circumstance.

Drug Use

Last but not least is drug use. If you use hard drugs and there are elevated liver enzymes or MIB records that show that, this will prevent you from getting coverage until a couple of years past. Again, it comes down to the date and when it happens.

I will say marijuana use is generally considered okay with a lot of carriers. For some, it’s still a black-and-white issue, and others are coming around to accepting it because it’s legal in several states.

Case study examples

Insurance to Cover Mortgage

The Lees (both in their mid-30s) reached out to me because they recently bought a new home that they would be paying for the next 30 years. It came with a significant mortgage that was six figures. They had realized that this was a huge financial commitment, and they were obligated to pay for the mortgage regardless of what happened to them. They didn’t want this burden to be passed on to anyone else in the worst case scenario.

My clients were recently declined by a local health insurance company for minor health issues. They were completely blindsided because they thought they would be approved.

That is when they reached out to me, hoping that working with a broker, like Buy Life Insurance for Burial, could help them achieve their insurance-related goals for their family.

Despite what the other insurance company had denied them for, Buy Life Insurance for Burial was able to qualify the Lees for first day full coverage after we used our process to shop the different insurance companies available in their state. Buy Life Insurance for Burial cannot guarantee an identical outcome for anyone in a similar situation, but we will use this same process to make sure that we can provide you with the best possible insurance coverage for your needs. 

High Blood Pressure Client in Need of Coverage

My client recently had to cancel their previous insurance policy. Mrs. Gray had been paying this policy for the last 10 years, and she never missed a payment. Out of nowhere, she was informed by a letter in the mail that her rates were going to increase tremendously, and she knew she wouldn’t be able to cover it. This is why she reached out to us at Buy Life Insurance for Burial.

Unfortunately, Mrs. Grays’s blood pressure was a problem for her. She had kept it under control with her medication but worried that she wouldn’t be able to qualify for a new life insurance policy, despite not having any problems with it lately.

She confided in us that she feared she wouldn’t be able to get covered just because of her medical history and needed help.

Buy Life Insurance for Burial was happy to give Mrs. Gray the good news. In spite of her history of with high blood pressure, we were able to qualify her for first day full coverage by using our shopping process. We made sure to look at all the different insurance companies in her area to get her affordable life insurance that fulfilled her needs.

Again, we can’t promise the same outcome for you. We here at Buy Life Insurance for Burial can only promise to work as hard as possible to get you the insurance that you need. We will shop around, just like we did for Mrs. Gray, to find quality life insurance that fits your budget and lifestyle.

What are my options for life insurance after being declined?

Now that I’ve divulged some of the reasons why individuals are declined for life insurance, I want to talk about what your options are when you’re declined for life insurance.

application life insurance

You do have options if your application for life insurance is denied!

The first step you need to take is to contact the insurance company and ask why you were declined in the first place and get it in writing. The reason why is because you’ll ultimately want to shop that application with your broker.

If you’re working with an agent that represents just one company, you may want to consider working with someone like me. I shop around for my clients, and we work with a variety of different insurance companies to see who’s going to give you the best combination of price and value of coverage.

So one thing that is very helpful in declined cases is getting in writing from the insurance company their there for declining you. Then you can take that information to another company and do what’s called a risk assessment.

An underwriter will take a look at that information and come up with a determination as to whether it’s worth your time to apply knowing that you were declined for these reasons. As a broker we can talk to multiple companies, not just one, to figure out who’s going to give you the best deal and under what circumstances they would issue the coverage.

Get that in writing. Also, many times if you’ve taken an examination within the last six months, you do not have to take another one.

They will use the same information gathered from your first exam as well as the reason why you were declined and your application of course. They’re going to check your health history again, but usually no new exams are required if it’s within the last six months.

As I mentioned previously, brokers work with multiple life insurance companies, not just one. They want to take your case out to the market and see who is going to give you the best deal with your circumstances.

When you work with one company, there’s only one set of rules, one set of of options, and many times it may not be in your best interest.  Brokers can talk to multiple companies and see who is going to give you the ultimate deal that gets the policy issued.

Now, if the broker goes to the underwriters at different life insurance companies and they end up declining you coverage because of X, Y, Z conditions, The next step would be to apply for what’s called simplified issue life insurance. This is essentially life insurance where there’s not very much underwriting involved and there’s no examination.

There is a minimum period of look back on your health history, and many chronic ailments with some of these companies are actually acceptable even with preferred pricing. So there are two kinds of products we’re going to look at: term insurance and whole life insurance. And then we’re going to talk about applying for a trump card type of policy when all else fails.

Simplified Issue Life Insurance

What exactly is simplified issue? Simplified issue life Insurance is commonly known as no-exam life insurance. Life insurance companies review your medical records without another examination.

They just quickly look through what’s called the attending physician’s statements, a MIB, and prescription health history information. This is

25000 life insurance no exam

Should you get an exam when applying for a life insurance policy?

all readily accessible information with your strict permission to access it.

The one benefit with simplified issue life insurance is typically it’s more liberal with health questions. A lot of the health questions that would knock someone out with standard insurance plans can be more flexible with a simplified issue life insurance product and may allow for coverage despite the original denial of coverage.

A perfect example is type I diabetics. It’s very hard to get them coverage because in many cases they’re insulin dependent, and a lot of companies just don’t take diabetes.

I have companies that will take a type I insulin-dependent diabetic for first-day full coverage, and they will allow you to get coverage if the rest of your health is acceptable as well. So again, one company’s take on diabetes will be very conservative while another one’s will be very flexible.

Term Life

For simplified issue life insurance, there are really two different kinds of policies here that you can look at. The first is called term life insurance. A real quick summary is term life insurance is terminating insurance.

It typically gets you the most coverage for the least premium dollar. The downside is it only lasts for a term of time and then either skyrockets in price or it cancels.

Term life insurance is most commonly used for mortgage protection and other debt protection types of setups and is used as a temporary way to get coverage.

It’s a good product to use when you’re out of options. It’s certainly better than nothing, but historically it’s a little bit more difficult to qualify for.

Term Life Insurance Coverage – 10 year Term – $100,000 in Coverage

Term Life Insurance Coverage – 10 year Term – $250,000 in Coverage

Term Life Insurance Coverage – 10 year Term – $500,000 in Coverage

Term Life Insurance Coverage – 10 year Term – $1,000,000 in Coverage

Whole Life

Whole life insurance is the opposite. Whole life insurance is designed never to go up in price, never to cancel because of age or health, and is designed to be what’s called permanent protection.

Now, you may qualify for first-day full coverage because many times simplified issue whole life products are very flexible with different

chronic ailments. I’ve gotten people with COPD, history of cancer, heart problems, diabetes, mental health problems, and the like first-day full coverage.

The pro of a term life insurance is it’s the most coverage for the lowest premium. The con is that it’s not going to last forever, and you may outlive it.

The whole life insurance pro is you pay a level premium, it never increases, and it never cancels as long as you pay the premium. The con is it usually costs more than term life insurance. So for every dollar you pay into term, you’ll get less coverage for whole life insurance.

There are circumstances where term is a better option, and some circumstances where whole life is the superior choice. I’ve got a whole training on where one would be better than another.

Just know there are simplified issued products from both term and whole life regardless of the direction you go.

Let’s say you apply for simplified issue whole life or simplified issue term life, and nobody takes you. What are your last options for life insurance after being declined for life insurance?

Rates For $10,000 In Burial Insurance


Rates For $25,000 In Burial Insurance


$150,000 Whole Life Insurance, Life Pay


$250,000 Whole Life Insurance, Life Pay

Guaranteed Acceptance

The last option is what’s called guaranteed acceptance life insurance. Basically guaranteed acceptance life Insurance approves coverage without requiring a series of health questions to answer. They just ask your age, where you live, sign your name and you’re approved.

The pro with a guaranteed acceptance life insurance plan is that no matter what health circumstances you have, you will be approved for coverage. We’re talking AIDS, HIV, Alzheimer’s, mental incapacity, bedbound, terminally ill, current cancer, current heart problems. You can get coverage here as long as you fit the age range, which typically is between 40 and 85.

The con is that there is a minimum two-year waiting period on death claims for natural causes. So if you die within two years of the effective date of guaranteed acceptance life insurance plan, only the premiums are paid back to your beneficiary plus a marginal amount of interest. You literally have to wait two years before you’re fully protected for natural and accidental causes.

Also it’s pricey relative to the other options. Why?

They’re not doing any underwriting whatsoever. They’re just approving you for coverage, and that’s part of the reason they have the two-year wait as well as slightly higher premium.

$50 a Month – Guaranteed Universal Life Insurance

$100 a Month – Guaranteed Universal Life Insurance

$150 a Month – Guaranteed Universal Life Insurance

Story from the field

In this story, I want to share how we have helped clients with major health issues. Previously, they were declined due to their medical history so they came to us, Buy Life Insurance for Burial, in order to see if working with a broker could improve their chances of getting qualified. Luckily, we have been able to help, thanks to our dedicated work ethic and knowledge of carries and their policies. Here are three examples:

1. Heart-related health problems

This can include many different conditions. For example, heart attacks, strokes, and heart disease. Often, people have to give up their life insurance goals because they are denied due to their heart health.

Many of our clients struggled with all types of heart-related health issues. It is important to remind them that time can work to their benefit. After time passes, it does become much simpler to get approved for coverage, even for first day full coverage.

When my clients hear this, they often feel some peace of mind, knowing that it is possible to get coverage despite their health problems. We take the time to work with who you are and your specific needs, in order to get you the best possible plan for you.

2. Diabetes

One of the most common health-related problems that we see in our clients is diabetes. I’ve often seen people struggle to be covered because they are diabetic and need burial or life insurance approval.

For example, once, we had a client who needed 100 units of insulin/day (U-100) to treat his type 1 diabetes. They were looking for life insurance coverage, and they were struggling to get approved.

That is where we came in. Buy Life Insurance for Burial used our extensive knowledge to fit them with the right insurance carrier. In the end, we paired them with a carrier that was flexible to those who had treated their type 1 diabetes with insulin, getting the client the coverage they needed.

3. Liver or kidney-related health problems 

These health problems encompass many conditions, including kidney disease, liver failure, cirrhosis, and hepatitis C. It is common that people with these conditions struggle to find proper coverage that they can afford, if they can get coverage at all.

When you work with a broker like us, we can shop the carriers we work with to see if they will approve people for preferred coverage who have these health-related issues. Again, even if it has just recently been cured, people can still have a difficult time getting coverage on their own.

Even if your health issue is more serious, there is a chance that working with us can help you get the coverage you need. For example, there have been circumstances where patients with chronic kidney problems were able to receive preferred coverage, given that their health was okay otherwise.

These are just some examples of health problems you might struggle with. We serve clients with other health problems, including, but not limited to, mental health issues, neurological health issues, and behavioral health issues. If you are in a similar position, consider reaching out to us today. Buy Life Insurance for Burial is ready to help.

Top 5 reasons to work with a life insurance broker

1. Working with a broker reduces bias
Despite the fact that bias will always exist, working with a life insurance broker significantly reduces the bias involved in the life insurance coverage process. This is because when you work with a broker like Buy Life Insurance for Burial, you receive access to various life insurance coverage options.

This means that we can shop the options available to you to find you the best combination of price and quality coverage that fits your specific insurance-related needs.

2. It gets you the best rates
Rates are a major factor in many prospects’ decisions to reach out to a life insurance broker. They don’t want to pay more, and they know that if they purchase life insurance from a broker, they won’t be. This is because brokers represent multiple insurance companies.

This means that you have more options. Working with Buy Life Insurance for Burial means that you end up with the best possible package deal on the life insurance policy that best fits your budget.

3. You have options
We did touch on this topic in the previous two points, but it is something we have heard many times from our happy clients.

The concept of having options is truly the founding principle of what you get when you work with a life insurance broker because that is what we do. We are there to provide you with choices, as we represent many life insurance companies. We don’t want our client to feel forced into a policy just because they didn’t have any other options. Why?

It is because options matter! Brokers give you freedom and the ability to pick something that fits you specifically. Tailoring insurance to their needs is such an important factor to our clients, that we thought this topic deserved a point of its own.

4. Get the most coverage
When working with a broker, you don’t just get the best price, you also can receive the best value for coverage in terms of quality.

This is because you have more underwriting accessibility. Working with a broker means that the insurance agent can shop to see which companies offer the right coverage for your needs. They will work with you to get the affordable insurance that accomplishes your insurance-related goals, maximizing your overall coverage in the end.

5. Receive client-focused service
Buy Life Insurance for Burial is a life insurance broker that prioritizes their clients, and this lets us do the best job of servicing them. As we represent more than one company, we don’t have any allegiance to a specific one.

Our allegiance is with you because we want you to get the best possible coverage. This isn’t the same for agents that work with just one company. For them, their company comes first.

This is many people’s experience in the past and why, when they were looking for new insurance, they decided to work with a broker, like Buy Life Insurance for Burial, moving forward.

Final thoughts

Let me give you some final thoughts on the process of how to get life insurance after you’ve been declined for life insurance.

The bottom line takeaway here is you do have options for coverage even after being declined for life insurance. You can try simplified issue products.

You can try term simplified or whole life simplified. You can shop your case with another carrier.

In the worst case, you can go to guaranteed issue. There are lots of options.

life insurance no questions asked

There are many different kinds of life insurance, and I want to help you figure out which one is right for you!

My recommendation is to start from best case scenario and go to worst case scenario. That means that if you get declined, I would end up trying to shop your case with another life insurance company, do a risk assessment, and work with a company that is willing to say, “Based on what I’m seeing here, I think I can get you approved based on this price and coverage.”

I want a company that is going to feel positive that there might be a shot here to get you approved for your coverage. If you’ve had an exam, I want to shop your case with another company where they’ll take your examination results and decide if it’s something that is possible to get your coverage.

Let’s say you didn’t do an exam to start with and you just did simplified issue coverage. I would shop it with a simplified issue type of coverage.

It’s the same setup. Even if you didn’t do an exam to start with, certain companies are more flexible than others when it comes to life insurance. So I will try another company.

Look, I really can’t stress it enough. I’ve been doing this since 2011, and there are certain issues that some companies decline immediately while other companies approve the same issues without missing a beat.

If you’re watching this video, you’re probably dealing with an agent that just doesn’t know the options like I do. If you’ve tried to get simplified issue coverage, let me help you shop at for you.

We’ll try another company. I’ll do the grunt work to try to shop it and see who’s going to be a better deal.

If all else fails, apply for a guaranteed issue life insurance plan. As long as you fit the age range, you’re going to get it. Yes, there is a waiting period, but the thing I want you to understand here is that, if you’ve been declined for life insurance, it’s likely you’re going to pay a higher premium.

If we want to keep your premium the same, we’re going to get less coverage, but I want you to understand that some coverage is better than no coverage.

If you’ve been declined by a life insurance company, likely it is for a good reason. There is something in your health history. I can’t tell you what it is, but it’s making an underwriter a little bit nervous to take you on as a life insurance applicant.

By no means am I trying to offend you. It’s just that you need to be open minded and flexible on the coverage and the premiums in order to get something on the books.

The worst thing that ever happens with families that I meet is when somebody is belligerent about coverage and doesn’t get it because it doesn’t match down to the penny, whether on price or the amount of coverage. There’s just no good reason to pass up on having any kind of life insurance because you can’t get what you want.

You should try to get something on the books. Many times your conditions will actually improve.

Maybe you get your diabetes under control or more time passes between your circulatory or cancer event and you can go back and reapply for better-priced coverage. That is definitely an option you can pursue, but I believe it’s much better to just get something now, even if it’s not ideal coverage.

At least you have something on the books, and you can come back to it in a year or two and then shop it again and see who wants to take you on now that your health has improved or some time has passed. It’s vital to your family and your loved ones to have some kind of life insurance on the books regardless.

My twin girls Emily and Eva thank you for reading, and hope you’ve gained truly valuable information on your search for life or burial insurance. If you’re ready to discover your options for life or burial insurance, call me at 888-626-0439 now for your free life insurance quote!

If you like what you’ve heard today and you’re interested in qualifying for life insurance, go to for a free quote. You can go to the message box and send me a message, or you can call me at 888-626-0439 to speak to me live.

It takes me about 5 or 10 minutes to run a quote for you. There’s no obligation to give you an idea of what you can qualify for, what the premium would be, and to describe how it works.

If you like it, great. If not, that’s fine too. If you have any questions, feel free to leave a comment.

My name is David Duford, and I’m the owner and operator of where I help people like you get affordable life insurance coverage. Thank you so much for listening. Take care!

I hope the material in this article was helpful to you, and I hope it conveyed the importance of taking action to accomplish your insurance-related goals. If you have any questions or need help, consider reaching out to us at Buy Life Insurance for Burial.

Our goal is to help you achieve yours, and the process to do so is very easy. Like I said before, the first step is only 10 minutes.

All you have to do is reach out to us. You can do this by phone if you call (888) 626-0439. When you do, you will speak to one of our life insurance experts who will explain your options, how the program works, and your premiums. 

Remember, we also have a messaging system. It is located at the bottom or on the left-hand side the screen. All you have to do is tell us what you are looking for and how we can best contact you. Then, you’ll hear from us within 24 business hours to respond to your specific requests.

We here at Buy Life Insurance for Burial thank you for your interest in learning how to get life insurance after being previously declined. Again, we hope that this material has benefitted you!


We work with individuals across the nation to secure the best life insurance rates.

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