Archive · 1 Dec 2025
30% of Term Life Insurance Applications Rejected in India
In India, 30% of term life insurance applications are rejected.
This happens during the underwriting process, where the insurance company checks the application.
The main reasons for rejection are medical conditions like high blood pressure or diabetes, which cause 46% of rejections.
Financial eligibility is the second biggest reason, with 32% of applications rejected due to issues like income proofs.
Other reasons include high-risk jobs (6%), legal issues like pending criminal cases (4%), incorrect or missing documents (4%), lifestyle habits (4%), and where the applicant lives (4%).
To avoid rejection, it's important to have good health, proper financial records, and complete documentation.
30% of term life insurance applications in India are rejected during underwriting.
46% of rejections are due to medical conditions like high blood pressure and diabetes.
32% of rejections are due to financial eligibility issues, such as income proofs.
6% of rejections are based on high-risk occupations.
4% of rejections are due to legal issues, documentation problems, lifestyle habits, and geographic risks.
- Who
- Indian term life insurance applicants
- What
- 30% of term life insurance applications are rejected
- When
- During the underwriting process
- Where
- India
- Why
- Due to medical conditions, financial eligibility, occupation, legal issues, documentation, lifestyle habits, and geographic risks
- Rejection Rate
- 30%
- Medical Conditions
- 46% of rejections
- Financial Eligibility
- 32% of rejections
- Occupation
- 6% of rejections
- Legal Issues
- 4% of rejections
- Documentation
- 4% of rejections
- Lifestyle and Habits
- 4% of rejections
- Geographic Risks
- 4% of rejections