Can I be denied life insurance?

Yes, insurers can deny applications based on health conditions, high-risk occupations or hobbies, a poor driving record, a criminal history, or financial concerns. If you are denied, you have options: apply with a different insurer that has more lenient underwriting, work with a specialist broker who focuses on high-risk cases, or look into guaranteed issue or group coverage that accepts all applicants. Being denied by one company does not mean you are uninsurable.