In addition, even if you have been turned down for life insurance after applying to an insurer for coverage, you can still get insured.
There are "Guaranteed Approval" life insurance policies available for anyone who meets the age requirements, which may vary by insurer.
For example, some insurers offer guaranteed life insurance to people ages 45-75, 40-80, or 45-85.
These plans have limited death benefits the first two years you are insured.
After that, you have full coverage.
There's no health exam, no health questions asked, and your approval for life insurance is guaranteed.