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Refusal of insurance
Life insurance companies always ask whether you have ever had a proposal turned down, or accepted on special terms (such as a higher premium). If you have, they will want to know why, or may turn you down on this ground alone.
For this reason it is best not to get yourself in the position of being refused life insurance. If you think your proposal may be refused, it is better to withdraw it first, before they have the chance to refuse you. Do so in writing. You do not need to give a reason.
If you are refused life insurance or accepted on special terms for health reasons, you will be entered on a computerised list held by the British Association called The Impaired Lives Registry.
If you later apply to any other company for life insurance, your name will show up. Sometimes a person has found his or her name on this registry when it should not have been – perhaps because of being identified as gay. Whenever this has been discovered the company has said it was a mistake and the name was removed.