I've been turned down for life insurance, but would like to leave my spouse something.
There are graded death benefit life insurance plans that offer coverage without any medical exam required. However, you only receive the premiums paid back if you die within the first 2-3 years. After that period of time, usually the full coverage is provided by the life insurance policy, depending on the plan.
In addition, there are accidental death insurance plans that pay out a claim if you die from an accident, usually within 60 days to 10 year of the accident occurring.
Here's how you can learn about guaranteed acceptance life insurance and find out how people age 78 and under may qualify to buy up to $30,000 of simplified life insurance without any physical exam.