Each life insurance carrier reviews your application for coverage and your health exam to determine whether or not you are an acceptable risk to be insured for life insurance.
Some people may be declined for life insurance due to any number of reasons, which may include obesity, your age, drug or alcohol abuse, health problems, poor driving record, high risk hobbies or high risk occupations, or other reasons which may reduce your life expectancy.
However, if you are denied life insurance you may still be able to get insured by purchasing a guaranteed approval life insurance policy which guarantees your acceptance if you are age 45 to 85.