Life Insurance is already considered a necessity nowadays. But if you think everybody can just avail of it, you just might get surprised if you get declined. Before you file any complaints, there are actually various reasons why you fail in inquiring a life insurance. Axis Capital, with a group of insurance and reinsurance companies in Bermuda, Singapore, Australia, United Kingdom and the United States, has rounded up some of the main reasons why most insurance companies do not permit you to have a life insurance: