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How long do you have to wait to reapply for life insurance?

Chances are if you’re wondering how long you will need to wait before you can “reapply” for life insurance, your latest attempt at getting insurance hasn’t worked out the way that you had hoped it would.

Now, this may mean that… 

Your latest attempt was denied, postponed, or approved at a much higher price than you had hoped for. This is why you’re now wondering how long you should or need to wait to give it another try.  

The good news is…

You’ve come to the right place because we here at IBUSA specialize in helping “higher risk” applicants find and qualify for the coverage that they’re looking for and will often meet our clients for the first time after they have already had an application denied.

For this reason…

We wanted to take a moment and address some of the most common questions we get from folks wondering how long they will need to wait until they can “reapply” for life insurance and discuss some of the most common factors that will determine the answer to this question.

Questions that will be addressed in this article will include:

  • How long do you have to wait to reapply for life insurance?
  • Should I reapply with the same company?
  • What should I do if it looks like I won’t be able to qualify for a traditional life insurance policy any time soon?
  • What can I do to increase my chances of finding the “best” life insurance policy for me?

So, without further ado, let’s dive right in!

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How long do you have to wait to reapply for life insurance?

The amount of time one may have to wait to “reapply” for life insurance will typically depend on the reason “why” someone wants to reapply in the first place. For example…

Are you interested in reapplying because you have been denied coverage?

If so, understanding “why” you were denied and “which” life insurance company denied your application will likely determine what your next steps should be. In some situations, you may find it possible to “reapply” immediately, while in other cases, you may need to wait or consider choosing a different “type” of life insurance policy altogether.

Situations that could cause someone to be denied by one carrier, only to be approved immediately afterward by another could include those applying after:

Are you interested in “reapplying” because you didn’t receive the rate you were hoping for?

For those looking to “reapply” for coverage because they weren’t able to qualify for the rate that they had been originally quoted, it may be possible to reapply right away with a different insurance company, who may be more “sympathetic” or “lenient” than the first company you choose.


You may also “appeal” the rate that you “earned” from the original carrier as well. However, you’re probably going to have a better chance of starting fresh with a new insurance company.

Or are you interested in “reapplying” because your original application has been POSTPONED for some reason?

If this is the case, what will happen most of the time is that the insurance company that is choosing to postpone your life insurance application will also provide instructions on what you can do to have your application “reconsidered ultimately”.

Depending on…

What these instructions are, you may find it easier to apply with a different company right away rather than wait until the original company is satisfied.

Where things may become complicated is when…

Individuals have been diagnosed with a pre-existing medical condition that will likely preclude them from qualifying for traditional coverage for a set period of time. Conditions that could fall into this category may include:

  • Cancer survivors,
  • Recent heart attack or stroke survivors,
  • Newly diagnosed individuals in the process of getting their condition under control. Conditions may include:
    • High blood pressure,
    • High cholesterol,
    • Diabetes,
    • Depression,
    • Etc…

The amount of time that an applicant may need to wait can and will likely vary depending on the condition and its severity.

Should I reapply with the same company?

Occasionally it will make sense for an individual to choose to apply with the same company that has either denied, postponed, or approved an application at a rate higher than hoped simply because this company is actually the “best” option for you.

That said however…

What you’re generally going to find is that in most cases, an applicant will be better off by trying to apply with a different life insurance company with the hopes that the new company will be better “suited” for their needs.

Applying with a new…

Life insurance company will also allow one to schedule a new medical exam (or pehaps avoid one all together by applying for a no medical exam term life insurance policy), which may contradict any findings that could have been the cause of one’s previous postponement or denial. 

What should I do if it looks like I won’t be able to qualify for a traditional life insurance policy any time soon?

Sadly, it’s a fact of life that some folks won’t be able to qualify for a traditional life insurance policy now or anytime soon. In cases like these, if someone is still interested in obtaining coverage for their family, they will need to seek out “alternative products” such as a Guaranteed Issue Life Insurance Policy or an Accidental Death Policy.

And while…

Neither of these products are typically considered perfect; for some, they could be an acceptable alternative. For this reason, we here at IBUSA will always offer them as an alternative to anyone who is not able to qualify for a traditional term or whole life insurance policy.

What can I do to increase my chances of finding the “best” life insurance policy for me?

The fact that you’re reading this article after you have either been denied, postpone, or disappointed means that you’ve already done taken the first step in finding the “best” life insurance policy for you, which is…

“Not giving up!”

And not accepting what one life insurance company has to say without at least taking the time to get a second opinion.

But it’s important…

To not just stop there, because while a “second opinion” is going to be important, you’re going to want to make sure that you get this “second opinion” from a true life insurance professional that’s going to have access to dozens of different life insurance companies to choose from when trying to find a company that WILL approve your application.

The good news is…

That we here at IBUSA specialize in “high risk” applicants and are always looking to take on a challenge! So, what are you waiting for? Give us a call today, and let us show you want we can do for you!  

2 comments… add one
  • Samuel B. April 11, 2022, 11:27 am

    Life insurance with HIV since June of 2021 and on meds since July 2021 undetected

    • IBUSA April 12, 2022, 7:39 am


      We may be able to assist you in finding coverage, but there is more we would need to know. Please call us at your earliest convenience.



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