Previously Declined Cover

Turned down before?
That doesn't mean no forever

Every insurer assesses risk differently — a decline from one doesn't mean you'll be declined by all. We know where to look next.

FSCA-Authorised Advisers | Whole-of-Market Access

Explore Your Options

Whatever you need to protect, we'll help you compare the right cover.

A one-off tax-free lump-sum payment for your loved ones in the event of your death.

A tax-free lump sum if you are diagnosed with a serious illness like cancer, heart attack or stroke.

Monthly tax-free payments if you are unable to work due to long-term sickness or injury.

Step 1

Share the details of your previous application and outcome.

Step 2

Your adviser knows which insurers take a more favourable view of your circumstances.

Step 3

We guide you through disclosing your full medical and application history correctly.

Step 4

Receive a new assessment from an insurer better suited to your risk profile.

Reach insurers beyond the one that originally declined you.

Learn what factors are more likely to lead to acceptance.

Get it right the first time to avoid issues further down the line.

Explore guaranteed acceptance or specialist policies if needed.

Why was I declined in the first place?

Common reasons include health conditions, high-risk occupations or hobbies, or incomplete information on your application.

Do I have to disclose the previous decline?

Yes, insurers will typically ask if you have been declined before, and this must be disclosed honestly to avoid future claim issues.

Will this decline follow me everywhere?

No formal shared record follows you between insurers in South Africa, but you must still disclose it truthfully when asked.

What if I'm declined again?

There are still options, including guaranteed acceptance policies that don't require underwriting, which your adviser can discuss with you.