Is there Life Insurance Available for People Considered Uninsurable? There are many people who may be considered uninsurable by some life insurance carriers due to their age, health, smoking, DUI’s, use of marijuana, high risk job or high risk occupation, etc. But just because you have been denied life insurance from one or two insurers, that doesn’t mean every insurance company will turn you down for a life insurance policy. In fact, some insurers offer life insurance with guaranteed approval for people ages 45 to 85 years old. And, you won't have to take a medical exam or answer any health questions to get insured.