Can I be refused mortgage protection?

Yes, it is possible. Different insurers assess medical histories differently, so conditions such as high blood pressure, diabetes, anxiety or weight-related health concerns may affect your application. If one insurer declines your application, other insurers may ask about that decision. This is why comparing insurers and getting expert guidance from the outset can make a real difference. If you cannot obtain standard mortgage protection, you may qualify for a legal exemption.