Can I reapply for coverage if I am denied a policy? April 20, 2023 12:00 Updated In the event that you are denied, there is a waiting period of 30 days before you can apply once more. Related articles Why do you need my SSN and driver's license? How does the application process work? What’s the difference between term life and accidental death insurance? What is manual underwriting? Can I change my coverage after I get my offer?