Life insurance carriers are in business to make a profit, and insuring people with health problems may end up losing them quite a bit of money.
There are many types of risks a life insurance company may not wish to insure because it increases their chance of losing money.
For example, some common reasons people are denied life insurance may include obesity, COPD, AIDS, DUI's or being over age 80.
However, there are some insurers that offer a special type of guaranteed issue life insurance policy for high risk people, but there may be limited death benefits the first couple of years you are insured.
Learn more about why life insurance companies deny coverage and what you can do to get insured.