Several severe medical, occupational, and lifestyle risk factors can lead to an outright life insurance application disqualification or denial. Common disqualifiers include terminal illnesses, active or untreated cancers, severe cardiovascular disease, a history of recent major strokes, active intravenous drug abuse, extremely high-risk hazardous occupations or extreme sports hobbies, and severe, unmanaged mental health disorders with active suicide risks. Insurers evaluate these factors through rigorous underwriting.
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