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I should add that I don't know how hard my brother looked for companies that would cover him. I think that Riskquoter's advice about looking around or finding an agent is excellent.
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Do you have health problems, e.g. apnea, high blood pressure, or heart disease? Many companies will not insure people who have a combination of these problems. My brother is one of those people. He was unable to take out a new policy, so is reliant on one purchased earlier for him by my parents and one from his job.
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Life insurance is available from a number of companies, many are willing to cover various health issues, etc..If you have been declined for life insurance due to a health issue, don't give up as it may be available. Look for an independent agent who represents multiple companies and can help you shop for coverage.
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AARP has a group rate policy. You have to answer three questions. If you can answer those honestly, you don't need a physical. You have to be a member of AARP to get it. It's through New York Life.

Carol
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