---
title: "What are the possible outcomes for a life insurance application? - Sapience Financial"
description: "Discover the possible outcomes for life insurance policy applications, such as standard rates, loaded premiums, delayed policies, and declined policies. Use the help of a professional insurance advisor to navigate through these outcomes successfully."
url: "https://sapience.com.au/videos/risks-education-videos/what-are-the-possible-outcomes-for-a-life-insurance-application"
date: "2026-05-25T16:39:55+00:00"
language: "en-GB"
---

#  What are the possible outcomes for a life insurance application?

- [ life insurance ](https://sapience.com.au/life-insurance/life-terminal-illness-insurance)
- [ income protection ](https://sapience.com.au/all-tags/income-protection)
- [ crisis & trauma recovery insurance ](https://sapience.com.au/all-tags/crisis-trauma-recovery-insurance)
- [ severity based insurance ](https://sapience.com.au/all-tags/severity-based-insurance)
- [ risk education videos ](https://sapience.com.au/all-tags/risk-education-videos)
- [ video transcript ](https://sapience.com.au/all-tags/video-transcript)

Reading Time: 2 minutes

There are four possible outcomes for any life insurance application.

- See the video transcript below

### Video Transcript:

#### **Speaker**:

Drew Browne, Specialist Financial Adviser @sapiencefinancial

#### **Transcript**:

There are four possible outcomes for any life insurance policy application.

Number one - **it can be accepted at Standard Rates** - now this means that the price that was quoted in the premium is the price you'll pay, the standard price.

The second outcome is where **premiums are Loaded with a medical rating** that might be because of a medical situation or an occupational situation where the risks have to be managed.

The third outcome is that **a policy can be Delayed from finishing** because we haven't yet received the medical reports or the assessments that we require to be completed.

And of course, **a policy can also be Declined**. A Decline can be because a medical situation is beyond what's possible to manage or an occupational category is beyond what's covered by that insurer.

Either way, that's why you use a professional insurance advisor to help you navigate successfully through these four possible outcomes for your policy.

\---end transcript---

---

#### Video Links

- [Life Insurances](https://sapience.com.au/index.php?Itemid=756)
- [Income Protection](https://sapience.com.au/index.php?Itemid=765)
- [Total & Permanent Disability](https://sapience.com.au/index.php?Itemid=767)
- [Crisis / Trauma Recovery Insurance](https://sapience.com.au/index.php?Itemid=766)
- [Severity Based Insurance](https://sapience.com.au/index.php?Itemid=896)

![Chances of you needing to claim on your life insurances policies](https://sapience.com.au/images/charts-svg/chances-of-you-needing-to-claim-on-life-insurances.svg)

---

###  Related: Helpful Explainer Videos

Understanding the three big questions everyone asks about personal risk insurance. Watch or read the transcript.

- [When should people use a life insurance policy?](https://sapience.com.au/index.php?Itemid=1247) (3 mins)
- [What is the chance of needing to claim on a life insurance policy?](https://sapience.com.au/index.php?Itemid=1246) (3.40 mins)
- [What are the possible outcomes for a life insurance application?](https://sapience.com.au/index.php?Itemid=1245) (1 min)

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